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Loan Rates
Rates Effective: 7-25-2013
Type of LoanDescriptionAnnual Percentage Rate (APR)
Vehicle LoansAs low as 2.50%
Other Secured/Small RecreationalAs low as 4.30%
RV LoansAs low as 4.50%
Unsecured LoansAs low as 6.9%
Share Secured LoansVariable2.5% above account used
T.L.C. (The Loan Check)As low as 11.00%
MasterCard PlatinumNo Annual Fee With CASH REWARDS!11.50%-18.00%* on purchases
11.50% -18.00%* balance trans.
14.50%-18.00%* cash advances
VISA - BusinessNo Annual Fee13.90% on purchases
13.90% balance transfers
15.90% cash advances
Business Loans(under $50,000.00).75% higher than consumer loan
1st MortgagesAmortized up to 360 monthsCall for rates
Home Equity LoansFixed & ARMAs low as 4.125%
Large Business Loans(over $50,000.00)Call for rates
Home Equity Lines of CreditAdjustableAs low as 4.00%
Rates are based creditworthiness and loan terms.
Rates subject to change without notice.
Some restrictions apply. 

*Based on creditworthiness and rates are variable and based on an evaluation of credit history, so your rate may differ.
Certificate Rates
Rates Effective: NA
TermRegular Certificates RateAnnual Percentage Yield (APY)
6 months0.55%0.55%
12 months0.999%1.00%
24 months1.24%1.25%
17 Month *Special rate available until 10-31-171.690%1.700%
36 months1.590%1.600%
48 months1.830%1.850%
60 months2.230%2.250%
Savings Rates
Rates Effective: 8/16/2013
Account TypeRateAnnual Percentage Yield (APY)
Regular Savings
Balances over $99.99.05%.05%
Other Savings & Escrow
Balances over $99.99.05%.05%
Personal Checking.00%.00%
Personal Checking Plus
$ .01 to $2,499.99.05%.05%
$2,500.00 & over.10%.10%
Money Market Rates
$.00 to $99.99.00%.00%
$100.00 to $2,499.99.00%.00%
$2,500.00 to $9,999.99.160%.160%
$10,000.00 to $49,999.99.210%.210%
$50,000.00 & over.260%.260%
Individual Retirement Accts.160%.160%
IRA Certificates
Rates Effective: NA
TermIRA Certificate RatesAnnual Percentage Yield (APY)
6 months0.65%0.65%
12 months1.090%1.100%
24 months1.340%1.350%
36 months1.690%1.700%
48 months1.980%2.000%
60 months2.325%2.350%

Early withdrawal penalty will apply to Certificate withdrawals. Withdraw penalty will be 2% of amount withdrawn. Dividend is paid monthly and can be added to Certificate (compounded), transferred to savings account or paid by check.

Minors under the age of 18 years may purchase a certificate with a term of 60 months or until their 18th birthday, whichever is less. They are allowed to add to the Certificate in $50.00 increments and the minimum Certificate issue amount for a minor is $500.00.

Subject to restrictions. Rates subject to change without notice.


Credit Life and Credit Disability Insurance is available on most loans. If you die or become totally and continuously disabled, Credit Life or Disability will make your loan payments or payoff the loan. Low monthly premiums are added to your loan payments. Check with a loan officer for a quote.

Family Group Life Insurance available with automatic Savings deductions.