Saving and Share Certificate Rates
Rates effective as of 2/04/2025
Share (Savings) Account
| Minimum Balance* | Dividend Rate | APY** |
|---|---|---|
| $50 | 0.05% | 0.05% |
* Min. Balance = Balance required to earn dividends
** APY = Annual Percentage Yield
Dividend rates may vary after account is opened.
Share (Savings) dividends are compounded quarterly. Dividends are based on daily balances.
Christmas Club Account
| Minimum Balance* | Dividend Rate | APY** |
|---|---|---|
| $50 | 0.15% | 0.15% |
* Min. Balance = Balance required to earn dividends
** APY = Annual Percentage Yield
Dividend rates may vary after account is opened.
Christmas Club dividends are compounded quarterly. Dividends are based on daily balances.
Money Market Account
| Minimum Balance* | Dividend Rate | APY** |
|---|---|---|
| $2,500 - $9,999.99 | 1.83% | 1.85% |
| $10,000 - $24,999.99 | 1.98% | 2.00% |
| $25,000 - $74,999.99 | 2.08% | 2.10% |
| $75,000 or more | 2.47% | 2.50% |
* Min. Balance = Balance required to earn dividends
** APY = Annual Percentage Yield
Dividend rates may vary after account is opened.
Money Market dividends are compounded monthly.
Dividends are based on daily balances.
Share Certificates & IRA Share Certificates
* Min. Balance = Balance required to earn dividends
** APY = Annual Percentage Yield
^ Minimum $500 deposit required ($250 for minors). Excludes IRA Share Certificates. Limited time only.
10 bp may be added to new investments over $50,000. Special Share Certificate Rates are excluded.
Penalty will be assessed for early withdrawal of share certificate or IRA share certificate.
Age 21 and under:
Minimum balance: $250
Minimum term: 12-month
Share Certificate and IRA Share Certificate dividends are compounded quarterly
Dividends are based on daily balances
Share IRA Account
| Minimum Balance* | Dividend Rate | APY** |
|---|---|---|
| $50 | 0.25% | 0.25% |
* Min. Balance = Balance required to earn dividends
** APY = Annual Percentage Yield
Dividend rates may vary after account is opened.
IRA dividends are compounded quarterly. Dividends are based on daily balances.
Checking Rates
Rates effective as of 2/04/2025
eGreen Checking Rates
| Minimum Balance* | Dividend Rate | APY** |
|---|---|---|
| $0 | 2.37% | 2.40% |
* Min. Balance = Balance required to earn dividends
Max. Balance = $10,000 balance maximum to earn dividends
** APY = Annual Percentage Yield
Dividend rates may vary after account is opened.
eGreen Checking dividends are compounded monthly. Dividends are based on daily balances.
Loan Rates
Rates effective as of 2/04/2025
Personal Loans
| Loan Type | Rate |
|---|---|
| Personal Loan | as low as 10.00% |
| LOC (Overdraft option) | as low as 10.99% |
| Share/Certificate Pledges | as low as Dividend Rate + 2.50% |
| Miscellaneous Collateral | as low as 9.75% |
* Annual Percentage Rate. For Qualified Applicants only.
^ Maximum term 36 months, maximum amount $5,000.00, minimum credit score to qualify.
Contact a Loan Officer for available loan terms.
Rates, terms and conditions are subject to change and based on creditworthiness, qualifications, and collateral conditions. All loans subject to credit approval.
New & Used Autos Loans Rates
Rates effective as of 2/04/2025
| Year | APR* |
|---|---|
| New & Used 2025 - 2021 | as low as 5.65% |
| Used 2020 - 2019 | as low as 6.60% |
| Used 2018 - 2017 | as low as 7.35% |
| Used 2016 - 2015 | as low as 7.85% |
| Used 2014 - 2013 | as low as 8.70% |
| Used 2012 - 2011 | as low as 8.85% |
| Used 2010 and Older | as low as 9.10% |
* Annual Percentage Rate
Contact a Loan Officer for available loan terms. Rates, terms and conditions are subject to change and based on creditworthiness, qualifications, and collateral conditions. Extended terms may be available to qualified applicants. All loans subject to credit approval.
Motorcycle / Marine Loans Rates
Rates effective as of 2/04/2025
| Year | APR* |
|---|---|
| New & Used 2025 - 2021 | as low as 6.75% |
| 2020 and Older | as low as 7.75% |
*Annual Percentage Rate
Contact a Loan Officer for available loan terms. Rates, terms and conditions are subject to change and based on creditworthiness, qualifications, and collateral conditions. Extended terms may be available to qualified applicants. All loans subject to credit approval.
RV Loans Rates
Rates effective as of 2/04/2025
| Year | APR* |
|---|---|
| New & Used 2025 - 2021 | as low as 6.75% |
| 2020 and Older | as low as 7.50% |
Equity Loan Rates
| Loan Type | Term | APR* | Monthly Payment Example* |
|---|---|---|---|
| Home Equity Line of Credit Loan** No Closing Costs | 15-Year | 7.500% | $100.00 (1% of outstanding balance) |
| Fixed Rate Equity Loan** No Closing Costs Rate available for limited time. | 5-Year | 6.400% |
* Annual Percentage Rate. Annual Percentage Rate based on a loan of $100,000.
** Please contact a loan officer for terms and conditions.
Rates, terms and conditions are subject to change and based on creditworthiness, qualifications, and collateral conditions. All loans subject to credit approval.
Mortgage Loan Rates
Rates effective as of 2/04/2025
| Type | Rate | APR* | Monthly Payment Example based on loan amount of $100,000 |
|---|---|---|---|
| 30-yr. Fixed | 6.750% | 6.896% | $648.60 |
| 20-yr. Fixed | 6.625% | 6.815% | $752.95 |
| 15-yr. Fixed | 6.375% | 6.611% | $864.25 |
| 10-yr. Fixed | 6.375% | 6.708% | $1,129.13 |
*Annual Percentage Rate
APR shown is based on a loan amount of $100,000. Rates, terms and conditions are subject to change and based on creditworthiness, qualifications, and collateral conditions. All loans subject to credit approval.
In-house Mortgage Loan Rates
Rates effective as of 2/03/2025
| Types | Rate | APR* | Monthly Payment Example based on loan amount of $100,000 |
|---|---|---|---|
| 20-Yr. Fixed | 6.750% | 6.941% | $760.36 |
| 15-Yr. Fixed | 6.500% | 6.737% | $871.11 |
| 10-Yr. Fixed | 6.500% | 6.833% | $1,135.48 |
*Annual Percentage Rate
APR shown is based on a loan amount of $100,000. Rates, terms and conditions are subject to change and based on creditworthiness, qualifications, and collateral conditions. All loans subject to credit approval.