Rates

Share Rates (effective as of June 30, 2026)

Type	Annual Percentage Rate	Annual Percentage Yield	Minimum Balance/Notes
Shares	0.30%	0.30%	$50.00 (Minimum average daily balance over $50.00 to receive dividend)
Checking	0.30%	0.30%	$500.00 (Minimum average daily balance of $500.00 required to earn dividend)
Christmas Club	0.30%	0.30%	$0.00 ($0.00 Minimum balance to receive dividend. Dividend rate paid annually October 31st)
The below calculator is for informational purposes only.

Average Daily Balance, paid at the end of each quarter.

Certificates of Deposit (effective as of June 30, 2026)

Term	Annual Percentage Rate	Annual Percentage Yield	Minimum Deposit
6 Month	1.00%	1.00%	$1,000.00
1 Year - Promo	4.00%	4.00%	$1,000.00
2 Year	2.75%	2.75%	$1,000.00
3 Year	2.50%	2.50%	$1,000.00
5 Year	2.75%	2.75%	$1,000.00
The below calculator is for informational purposes only.

Loan Rates (effective as of May 1, 2026)

Type	Term	APR*	Notes
2024-2027 Auto	Up to 66 months	5.99%	New/Used/Lease Buy-Out
2021-2023 Auto	Up to 66 months	6.50%	Used or Lease Buy-out
2018-2020 Auto	Up to 66 months	7.00%	Used or Lease Buy-out
2015-2017 Auto	Up to 66 months	7.50%	Used
2012-2014 Auto	Up to 66 months	8.00%	Used
2009-2011 Auto	Up to 66 months	8.50%	Used
2006-2008 Auto	Up to 66 months	9.00%	Used
Motorcycle	Up to 66 months	7.50%	Rates based on model year
Recreational Vehicle	Up to 66 months	8.50%	Rates based on model year
Boat	Up to 66 months	8.50%	Rates based on model year
Personal	1 Year	9.99%	Up to $10,000
Personal	2 Year	10.99%	Up to $10,000
Personal	3 Year	11.99%	Up to $10,000
Personal	4 Year	12.99%	Up to $10,000
Personal	5 Year	13.99%	Up to $10,000
Home Equity	$10,000 Minimum	$250,000 Maximum	Applicant must furnish copy of deed
Home Equity	1 to 5 years	5.99%	80% value of home
Home Equity	5 to 10 years	6.99%	80% value of home
Home Equity	10 to 15 years	7.99%	80% value of home
Visa		9.90%	No annual fee, $10,000 maximum
Student Visa		9.90%	No annual fee, $1000 maximum
Visa Balance Transfer		6.99%	No Fees

*APR = Annual Percentage Rate. All rates are listed "as low as" based on credit worthiness, debt ratio and loan to value. For auto, boat, motorcycle and RV loan terms over 66 months, add 0.25% to the base rate.