Rates

NEW AUTO LOANS (2021 – 2020) Rates Low As Payment Per $1,000
24 Months 2.15% APR $42.61
36 Months 2.65% APR $28.93
48 Months 2.90% APR $22.09
60 Months 3.15% APR $18.04
72 Months ($17,500+) 3.50% APR $15.42
84 Months ($25,000+) 4.35% APR $13.83
USED AUTO LOANS (2020 – 2019) Rates Low As Payment Per $1,000
60 Months 3.50% APR $18.19
72 Months ($17,500+) 3.75% APR $15.54
84 Months ($25,000+) 4.50% APR $13.90
USED AUTO LOANS (2018) Rates Low As Payment Per $1,000
60 Months 3.75% APR $18.30
72 Months ($17,500+) 4.25% APR $15.76
USED AUTO LOANS (2017) Rates Low As Payment Per $1,000
60 Months 3.95% APR $18.40
USED AUTO LOANS (2016 – 2011) Rates Low As Payment Per $1,000
48 Months 4.35% APR $22.74
USED AUTO LOANS (2010 and Older) Rates Low As Payment Per $1,000
48 Months 4.85% APR $22.96
MOTORCYCLES Term Rates Low as
New & Used Up to 72 mo. Add 1% to the new/used auto loan rates above
BOAT LOANS Term Rates Low as
New & Used Up to 72 mo. Add 1% to the new/used auto loan rates above
RECREATIONAL VEHICLE LOANS Term Rates Low as
New & Used Up to 72 mo. Add 1% to the new/used auto loan rates above
CLASSIC/ANTIQUE AUTO LOANS Rates Low as Payment Per $1,000
60 Months 6.50% APR $19.57
CLOSED-END UNSECURED Rates Low as Payment Per $1,000
60 Months 10.00% APR $21.25
HOME EQUITY LOANS Rates Low As Payment Per $1,000
Home Equity · Fixed Rate · 80%LTV
60 Months 3.25% APR $18.08
120 Months 3.75% APR $10.01
180 Months 4.25% APR $7.52
Home Equity · Fixed Rate · 90% LTV · add .50% to the home equity rates above
Home Equity · Fixed Rate · 100% LTV · add 1% to the home equity rates above
UNSECURED LOANS Current Variable Rate
Revolving Credit 13.90% APR
Overdraft Protection 13.90% APR
SHARE SECURED LOANS Current Variable Rate
Up to 60 Months (4% floor) Rate + 3%
VISA CREDIT CARD Current Variable Rate
9.50% APR
HOME EQUITY LINE OF CREDIT Current Variable Rate
80% LTV (Prime Rate) 3.25% APR
90% LTV (Prime Rate +1%) 4.25% APR
100% LTV (Prime Rate +2%) 5.25% APR
SHARE CERTIFICATES* DIVIDEND RATES ANNUAL PERCENTAGE YIELD
3 Month Certificate 0.05% 0.05%
6 Month Certificate 0.10% 0.10%
9 Month Certificate 0.15% 0.15%
12 Month Certificate 0.15% 0.15%
15 Month Certificate 0.15% 0.15%
18 Month Certificate 0.20% 0.20%
24 Month Certificate 0.25% 0.25%
36 Month Certificate 0.30% 0.30%
48 Month Certificate 0.35% 0.35%
60 Month Certificate 0.45% 0.45%
IRA SHARE CERTIFICATES* (Traditional or Roth)
6 Month Certificate 0.10% 0.10%
12 Month Certificate 0.15% 0.15%
18 Month Certificate 0.20% 0.20%
24 Month Certificate 0.25% 0.25%
36 Month Certificate 0.30% 0.30%
48 Month Certificate 0.35% 0.35%
60 Month Certificate 0.45% 0.45%
IRA Variable Rate Share Certificate*
18 Month Certificate 0.05% 0.05%

* Penalty may be imposed for early withdrawal. The Annual Percentage Yield assumes interest remains on deposit until maturity. A withdrawal will reduce earnings.

REGULAR SHARES SAVINGS
CHRISTMAS/VACATION CLUB SAVINGS
SECONDARY SHARE SAVINGS
DIVIDEND RATES ANNUAL PERCENTAGE YIELD
$25 – $499.99 (daily balances)** 0.05% 0.05%
$500 – $2,499.99 (daily balances)** 0.05% 0.05%
$2,500 – $9,999.99 (daily balances)** 0.05% 0.05%
$10,000 and above (daily balances)** 0.05% 0.05%
500+ Checking
$500 and up (daily balance)** 0.05% 0.05%
HIGH INVESTMENT ACCESS ACCOUNT
$2,500 – $24,999 (daily balances)** 0.05% 0.05%
$25,000 – $49,999 (daily balances)** 0.05% 0.05%
$50,000 – $99,999 (daily balances)** 0.10% 0.10%
$100,000 and above (daily balances)** 0.15% 0.15%

** Minimum balance to earn Annual Percentage Yield

Loan Rates effective as of  May 1, 2021

Share Account Rates effective as of March 1, 2021

These rates are accurate and effective for accounts as of the effective date indicated. The Dividend Rate may change as determined by the Board of Directors. Fees on Interest bearing accounts could reduce earnings. If you have any questions or require current rate information on your accounts, please call (402) 471- 2561.

APY = Annual Percentage Yield.
APR = Annual Percentage Rate.
ARM = Adjustable Rate Mortgage, rates adjust annually.