Rates

Easy to love.
Hard to beat.

Auto, Vehicle & Motorcycle Loan Rates

Type	Term	APR* (As Low As)	Monthly Payment As Per $1,000
2026	36 Months	4.24%	$29.63
	48 Months	4.74%	$22.91
	60 Months	4.74%	$18.75
	72 Months	5.24%	$16.22
	84 Months	5.99%	$14.60

Type	Term	APR* (As Low As)	Monthly Payment As Per $1,000
	36 Months	4.49%	$29.74
	48 Months	4.99%	$23.02
	60 Months	4.99%	$18.87
Minimum finance $15,000	72 Months	5.49%	$16.33
Minimum finance $35,000	84 Months	6.24%	$14.72
Model Year – Old than 10 yrs.	–	8.74%	–

Term	APR* (As Low As)	Monthly Payment As Per $1,000
36 Months	6.49%	$30.64
48 Months	6.49%	$23.71
60 Months	6.49%	$19.56

Term	APR* (As Low As)	Monthly Payment As Per $1,000
36 Months	7.49%	$31.10
48 Months	7.49%	$24.17
60 Months	7.49%	$20.03

*APR=Annual Percentage Rate. Rates are based on an evaluation of each applicant’s credit history, your rate could be higher.
*The above auto loan rates are based on a down payment of 10% or more. Add 0.25% for down payments less than 10%.

Boats & RV's

Term	APR* (As Low As)	Monthly Payment As Per $1,000
60 Months	7.74%	$20.15
84 Months	8.74%	$15.96
120 Months	8.99%	$12.66
144 Months	9.24%	$11.52

Term	APR* (As Low As)	Monthly Payment As Per $1,000
60 Months	7.99%	$20.27
84 Months	8.99%	$16.08
120 Months	9.24%	$12.80
144 Months	9.49%	$11.66

*APR=Annual Percentage Rate. Rates are based on an evaluation of each applicant’s credit history, your rate could be higher.

Personal Loan Rates

Amount	Term	APR* (As Low As)	Monthly Payment As Per $1,000
$1,001.00 – $2,500.00	24 Months	10.99%	$46.60
$2,501.00 – $5,000.00	36 Months	10.99%	$32.73
5,000.00 – 15,000.00	48 Months	10.99%	$25.84
$2,500.00 or more	24 months or less	9.99%	$45.14

*APR=Annual Percentage Rate.
**Personal Loans $1,000 or less, have a fixed rate of 18.00% APR. Maximum term = 24 months. Monthly payment $1,000 = $15.21.

Share Secured Loan

Loan secured by a balance of Share Savings account, variable rate 3.00% above index*

*The APR (Annual Percentage Rate) for a Share Secured advance will be 3.00% above the dividend rate paid on the shares. Maximum term 60 months. Maximum limit $100,000. Payment example: $5,000 @ 3.15% for 60 months = 60 payments of $90.18 per month.

Share Certificate Secured Loan

Loan secured by a balance of Share Certificate; variable rate 3.00% above index*

*The APR (Annual Percentage Rate) for a Share Certificate Secured advance will be 3.00% above the dividend rate paid on the share certificate; term of the loan must be less than or equal to the share certificate term.

First Mortgages

Home Equity Line of Credit

Term	APR* (As Low As)	Monthly Payment As Per $1,000
5 Year	6.74%	$19.68
7 Year	6.99%	$15.09
10 Year	7.24%	$11.73
15 Year	7.24%	$9.41

*APR=Annual Percentage Rate.

Credit Card Rates

Type	APR* (As Low As)
Platinum	13.05%
Share Secured	18.00%

*APR= Annual Percentage Rate.

The Platinum APR is variable and adjusts quarterly on the first day of January, April, July, and October. The rate applied on those dates is based on the Prime Rate in effect on the 20th of the prior month and remains in effect until the next change date, as published in The Wall Street Journal.

The Share Secured APR is fixed. The credit card is secured by the balance in a Share Savings account, with a credit limit ranging from $100 to $5,000. A $25.00 opening fee applies.

Credit Card Fees

Cash Advance Fee – $10.00 or 3.00% of the amount of each cash advance, whichever is easier.
Foreign Transaction Fee – up to 3.00% of each transaction in U.S. dollars

Overdraft Protection

Maximum Amount	APR*
$2,000.00	18.00%

*APR= Annual Percentage Rate.

**Free transfer from savings or line of credit, based on Credit Union approval

Savings & Checking Rates

Type of Account	Opening Deposit	Balance	Dividend Rate	APY
Share Savings			0.15%	0.15%
Money Market Account		$2,500 – $19,999.99	0.75%	0.75%
Split Rate		$20,000 to $49,999.99	0.90%	0.90%
		$50,000 and over	1.05%	1.05%
Power Checking	$25 minimum opening deposit	up to $3,000	3.00%	3.05%
		Over 3,000	0.05%	0.05%
Freedom Checking	$25 minimum opening deposit		0.00%	0.00%
Premier Checking*			0.05%	0.05%
Essential Checking*			0.00%	0.00%
Simple Checking*			0.00%	0.00%
Christmas Club Account			0.15%	0.15%
Vacation Club Account			0.15%	0.15%
IRA Shares		$20 minimum	0.20%	0.20%

APY=Annual Percentage Yield. The required balance to earn dividends on a Club Account (Christmas or Vacation) is $100.00. Rates effective 1/1/26.

For Club Accounts, dividends are paid at the end of the Club year. Balance plus dividends are rolled into the Prime Share account at the end of the Club year. The maturity date of the Vacation Club account is May 1st; the maturity date of a Christmas Club account is October 1st. Early withdrawal will result in loss of dividends, plus a fee of $3.00 per withdrawal.

*Beginning November 1, 2024, we will no longer open new Premier, Essential or Simple Checking accounts.

Certificate Rates

Share Certificate	Minimum Balance	APR	APY
3-Month Certificate	$500.00	1.50%	1.52%
6-Month Certificate	$500.00	3.25%	3.30%

IRA & Share Certificate	Minimum Balance	APR	APY
1 Year Certificate	$500.00	3.50%	3.56%
1 1/2 Year Certificate	$500.00	3.50%	3.56%
2 1/2 Year Certificate	$500.00	3.50%	3.56%
2 Year Certificate	$500.00	3.50%	3.56%
3 Year Certificate	$500.00	3.25%	3.30%
4 Year Certificate	$500.00	3.25%	3.30%
5 Year Certificate	$500.00	3.25%	3.30%

APR= Annual Percentage Rate.

APY=Annual Percentage Yield. Early withdrawal penalties apply. Fees may reduce the earning of the account. Rates effective 1/1/26.

All rates in effect as of date listed and are subject to change without notice. Your savings insured to $250,000.00 by NCUA, a U.S. Government Agency. 1/1/26.