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Rates


APY = Annual Percentage Yield

Rates effective May 28th, 2016.
Rates subject to change without notice.

Checking Accounts

Checking TypeRate / APYMinimum BalanceFee if below Minimum Balance
Premier Checking0.01% / 0.01%$1500.00$5.50
Econo CheckingN/A$200.00$2.00
Business 550N/A$5.50
Business 200N/A$2.00

Savings Accounts

Savings TypeRate / APYMinimum Balance
Available Asset Account0.05% / 0.05% - 0.10% / 0.10% (Tiered)$100.00
Christmas Club Account0.05% / 0.05%$5.00
Vacation Club Account0.05% / 0.05%$5.00
Regular Shares0.05% / 0.05%$5.00

Share Certificates

Duration

Penalties for early withdrawl may apply (180 days dividends)

RateAPY
$500.00 - $9,999.99
6 Months0.05%0.05%
12 Months0.05%0.05%
24 Months0.10%0.10%
36 Months0.15%0.15%
48 Months0.20%0.20%
60 Months0.25%0.25%
$10,000.00 - $24,999.99
6 Months0.10%0.10%
12 Months0.10%0.10%
24 Months0.15%0.15%
36 Months0.20%0.20%
48 Months0.40%0.40%
60 Months0.60%0.60%
$25,000.00 - $99,999.99
6 Months0.15%0.15%
12 Months0.15%0.15%
24 Months0.20%0.20%
36 Months0.25%0.25%
48 Months0.50%0.50%
60 Months0.75%0.75%
$100,000 Plus
6 Months0.15%0.15%
12 Months0.15%0.15%
24 Months0.20%0.20%
36 Months0.25%0.25%
48 Months0.50%0.50%
60 Months0.75%0.75%

Installment Certificates

DurationMinimum to OpenRateAPY
18 Mo. - $25/mo. Installment$100.000.10%0.10%
18 Mo. - $50/mo. Installment$200.000.10%0.10%
18 Mo. - $100/mo. Installment$400.000.10%0.10%

Computer Loans

APRLoan AmountTerms in Months
8.0% *Up to $25,000Up to 36 months

Unsecured Loans

Loan TypeRate/APRMinimum DownTerms
TimeLine Loans9% - 16.0%up to 72 months
Signature Loans9% - 16.0%

Deposit Secured Loans

Loan TypeRate/APRMinimum DownTerms
Share Secured Loan3% above Share rateup to 72 months
Certificate Secured Loan3% above Certificate rate

New & Used Vehicle Loan Special

Credit Tier

*Tier determined by Equifax Credit Score

Up to 48 Months60 Months72 MonthsDown Pmt RequiredMax Loan to Value (LTV)
Platinum2.50%2.75%3.00%0% Down Payment125% NADA RETAIL or Purchase Price

whichever is lower

Gold2.75%3.00%3.25%0% Down Payment125% NADA RETAIL or Purchase Price

whichever is lower

A Paper3.25%3.50%3.75%0% Down Payment125% NADA RETAIL or Purchase Price

whichever is lower

B Paper5.00%5.25%5.50%0% Down Payment125% NADA RETAIL or Purchase Price

whichever is lower

C Paper9.00%9.25%9.50%10% Down Payment125% NADA RETAIL or Purchase Price

whichever is lower

D Paper12.00%12.25%12.50%10% Down Payment125% NADA RETAIL or Purchase Price

whichever is lower

**Rates include .25% Premier Member Discount
VALUESTERMS
$30,000 OR MOREUP TO 84 MONTHS**
$20,000 OR MOREUP TO 72 MONTHS
$10,000 OR MOREUP TO 60 MONTHS
$5000 to $9999UP TO 48 MONTHS
LESS THAN $5000 UP TO 36 MONTHS
**84 Months Same as 72 Month Rate

New & Used RV and Boat Loan Special

Credit Tier*

*Tier determined by Equifax credit score

48 Months or Less60 Months72 MonthsUp to 84 MonthsDown Pmt
Required
Platinum4.00%4.25%4.50%4.75%0% Down Payment
Gold4.25%4.50%4.50%5.00%0% Down Payment
A Paper4.50%4.75%5.00%5.25%0% Down Payment
B Paper6.25%6.50%6.75%7.00%0% Down Payment
C Paper10.25%10.50%10.75%11.00%10% Down Payment
D Paper13.00%13.25%13.50%13.75%10% Down Payment
**Rates include .25% Premier Member Discount.
Terms
Model YearMax TermMax Loan Amt.
New - 7 years Old84 Months$35,000
8 - 10 years Old72 Months$35,000
Over 10 years Old60 Months$35,000
Down Payments Requirements Based on Loan Amounts
LOANS $35,001-$50,000Additional 10% Down
LOANS $50,001-$75,000Additional 20% Down
LOANS OVER $75,000Additional 30% Down

New & Used Personal Watercraft, ATV and Snowmobile Loan Special

Platinum*36 Months
or Less
60 MonthsDown Payment
Required
Over $5000 financed3.00%3.50%10% Down Payment
Up to $5000 financed3.25%10% Down Payment
Gold*36 Months
or Less
60 MonthsDown Payment
Required
Over $5000 financed3.25%3.75%10% Down Payment
Up to $5000 financed3.50%10% Down Payment
A paper*36 Months
or Less
60 MonthsDown Payment
Required
Over $5000 financed3.50%4.00%20% Down Payment
Up to $5000 financed3.75%20% Down Payment
B Paper*36 Months
or Less
60 MonthsDown Payment
Required
Over $5000 financed5.25%5.75%20% Down Payment
Up to $5000 financed5.50%20% Down Payment
C paper*36 Months
or Less
60 MonthsDown Payment
Required
Over $5000 financed9.25%9.75%20% Down Payment
Up to $5000 financed9.50%20% Down Payment
D paper*36 Months
or Less
60 MonthsDown Payment
Required
Over $5000 financed12.25%12.75%20% Down Payment
Up to $5000 financed12.50%20% Down Payment
*rates include .25% Premier Member Discount

**All Loan Special Rates include .25% Premier Member Discount.