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Rates

Savings and loan rates

Avoid unplanned financial surprises in the future.

Read up on all the information necessary to make the best savings and loan choices.


Savings

  • Savings Account

    Regular Savings Rates
    Account Name Minimum
    Opening Balance
    Minimum To Earn Dividend Variable Dividend Rate* Annual
    Percentage Yield (APY)

     
    Monthly Fees
    Regular Savings Accounts thru $999.99 $5 $5 0.05% 0.05% -0-
    Regular Savings Accounts $1,000 thru $4,999.99 $5 $5 0.05% 0.05% -0-
    Regular Savings Accounts $5,000 thru $9,999.99 $5 $5 0.05% 0.05% -0-
    Regular Savings Accounts $10,000 and Over $5 $5 0.10% 0.10% -0-

    Rates effective as of 02/18/2020.
    All rates, terms and conditions subject to change.
    *Rates are variable and may change after account is opened. Fees may reduce earnings.

  • Club Account

    Club Account Rates
    Account Name Minimum Opening Balance Minimum To Earn Dividend Variable Dividend Rate* Annual Percentage Yield (APY) Monthly Fees
    Club Account $5 $5 0.10% 0.10% -0-
    IRA Club Account $100 $100 0.10% 0.10% -0-

    Rates effective as of 02/18/2020.
    All rates, terms and conditions subject to change.
    *Rates are variable and may change after account is opened. Fees may reduce earnings.

  • Summer Pay Account

    Summer Pay Account Rates
    Account Name Minimum Opening Balance Minimum To Earn Dividend Variable Dividend Rate* Annual Percentage Yield (APY) Monthly Fees
    Summer Pay Account $0 $0 0.10% 0.10% -0-

    Rates effective as of 02/18/2020.
    All rates, terms and conditions subject to change.
    *Rates are variable and may change after account is opened. Fees may reduce earnings.

  • Share Certificates

    share certificate rates
    Account Name     Minimum to Open/Earn APY Dividend Rate Annual
    Percentage
    Yield (APY)
    6 Months Share Certificate $ 1,000 0.30% 0.30%
    12 Months Share Certificate $ 1,000 0.35% 0.35%
    18 Months Share Certificate $ 1,000 0.40% 0.40%
    24 Months Share Certificate $ 1,000 0.55% 0.55%
    36 Months Share Certificate $ 1,000 0.75% 0.75%
    48 Months Share Certificate $ 1,000 0.85% 0.85%
    60 Months Share Certificate $ 1,000 1.24% 1.25%

    Rates effective as of 02/18/2020.
    All rates, terms and conditions subject to change.
    Fees may reduce earnings. Early withdrawal penalties may apply.

  • IRAs

    IRA Certificate Rates
    Account Name Minimum to Open/Earn APY Dividend Rate Annual
    Percentage
    Yield (APY)
    12 Months Traditional/ Roth/Coverdell/ IRA Certificate $1,000 0.35% 0.35%
    24 Months Traditional/ Roth/Coverdell/ IRA Certificate $1,000 0.55% 0.55%
    36 Months Traditional/ Roth/Coverdell/ IRA Certificate $1,000 0.75% 0.75%
    48 Months Traditional/ Roth/Coverdell/ IRA Certificate $1,000 0.85% 0.85%
    60 Months Traditional/ Roth/Coverdell/ IRA Certificate $1,000 1.24% 1.25%

    Rates effective as of 02/18/2020.
    All rates, terms and conditions subject to change.
    Early withdrawal penalties may apply.

  • Simple Share Certificate

    simple saver certificate rates
    Account Name Minimum to Open/Earn APY Dividend Rate Annual Percentage Yield (APY)
    12 Months Simple Saver Certificate $25 0.05% 0.05%

    Rates effective as of 02/18/2020.
    All rates, terms and conditions subject to change.
    Fees may reduce earnings. Early withdrawal penalties may apply.

  • Money Market

    money market rates
    Account Name Minimum Opening Balance Minimum To Earn Dividend Variable Dividend Rate* Annual Percentage Yield (APY)
    $1,000.00 - $9,999.99 $1,000 $1,000 0.05% 0.05%
    $10,000.00 - $49,999.99 $1,000 $1,000 0.15% 0.15%
    $50,000.00 - $99,999.99 $1,000 $1,000 0.25% 0.25%
    $100,000.00 - $249,999.99 $1,000 $1,000 0.50% 0.50%
    $250,000.00 - $499,999.99 $1,000 $1,000 1.00% 1.00%
    $500,000.00 and over $1,000 $1,000 1.50% 1.50%

    Rates effective as of 02/18/2020.
    All rates, terms and conditions subject to change.
    *Rates are variable and may change after account is opened. Fees may reduce earnings. Accounts with less than $1,000 will not earn dividends. Dividends compounded and paid monthly.


Loans

  • New Auto

  • Used Auto

  • Motorcycle/Off-Road ATV

    New Motorcycle/Off-Road ATV Loan Rates

    Maximum Repayment Minimum Loan Amount Fixed Rate Annual Percentage Rates Estimated Payment
    per $1,000 Borrowed
    Maximum Terms May Vary   Lowest – Highest Lowest – Highest
    Up to 36 mo. N/A 2.99% – 15.49% $29.08 – $34.91
    48 mo. N/A 3.99% – 16.49% $22.57 – $28.59
    60 mo.  $10,000 3.99% – 16.49% $18.41 – $24.58
    72 mo.  $20,000 4.49% – 16.99% $15.87 – $22.24

    Used Motorcycle/Off-Road ATV Loan Rates

    Maximum Repayment Minimum Loan Amount Fixed Rate Annual Percentage Rates Estimated Payment
    per $1,000 Borrowed
    Maximum Terms May Vary   Lowest – Highest Lowest – Highest
    Up to 36 mo. N/A 3.49% – 15.99% $29.08 – $34.91
    48 mo. N/A 4.49% – 16.99% $22.57 – $28.59
    60 mo.  $10,000 4.49% – 16.99% $18.64 – $24.85
    72 mo.  $20,000 4.99% – 17.49% $16.10 – $22.52

    Rates effective as of 02/18/2020.
    All rates, terms and conditions subject to change.
    Rates and terms will vary based on the credit worthiness of individual applicants.

  • RV / Motor Home / Cargo Trailer

    New Recreational* Vehicle Loan Rates

    Maximum Repayment Minimum Loan Amount Fixed Rate Annual Percentage Rates Estimated Payment
    per $1,000 Borrowed
    Maximum Terms May Vary   Lowest – Highest Lowest – Highest
    36 mo. N/A 3.74% – 15.74% $29.41 – $35.03
    48 mo. N/A 4.74% – 16.74% $22.91 – $28.72
    84 mo.  $10,000 4.74% – 16.74% $14.01 – $20.29
    96 mo.  $20,000 5.74% – 17.49% $13.02 – $19.42
    120 mo. $30,000 6.74% – 17.49% $11.48 – $17.69
    144 mo. $50,000 7.74% – 17.49% $10.68 – $16.65
    180 mo. $75,000 8.24% – 17.49% $9.70 – $15.74

    Used Recreational* Vehicle Loan Rates

    Maximum Repayment Minimum Loan Amount Fixed Rate Annual Percentage Rates Estimated Payment
    per $1,000 Borrowed
    Maximum Terms May Vary   Lowest – Highest Lowest – Highest
    36 mo. N/A 4.24% – 16.24% $29.63 – $35.28
    48 mo. N/A 5.24% – 17.24% $23.14 – $28.98
    84 mo.  $10,000 5.24% – 17.24% $14.25 – $20.57
    96 mo.  $20,000 6.24% – 17.99% $13.26 – $19.72
    120 mo. $30,000 7.24% – 17.99% $11.73 – $18.01
    144 mo. $50,000 8.24% – 17.99% $10.96 – $16.98
    180 mo. $75,000 8.74% – 17.99% $9.99 – $16.10

    Rates effective as of 02/18/2020.
    All rates, terms and conditions subject to change.
    Rates and terms will vary based on the credit worthiness of individual applicants.
    *Recreational Vehicle/Motor Homes must contain living and sleeping facilities.
    Collateral conditions apply.

  • Watercraft

    New Watercraft Loan Rates

    Maximum Repayment Minimum Loan Amount Fixed Rate Annual Percentage Rates Estimated Payment
    per $1,000 Borrowed
    Maximum Terms May Vary   Lowest – Highest Lowest – Highest
    36 mo. N/A 3.99% – 14.49% $29.52 – $34.42
    48 mo. N/A 4.99% – 15.49% $23.02 – $28.08
    60 mo.  $10,000 4.99% – 15.49% $18.87 – $24.08
    72 mo.   $10,000 5.99% – 16.49% $16.57 – $21.96
    84 mo. $15,000 6.99% – 17.49% $15.09 – $20.72
    96 mo. $30,000 7.49% – 17.49% $13.88 – $19.42
    120 mo. $50,000 7.99% – 17.49% $12.13 – $17.69

    Used Watercraft Loan Rates

    Maximum Repayment Minimum Loan Amount Fixed Rate Annual Percentage Rates Estimated Payment
    per $1,000 Borrowed
    Maximum Terms May Vary   Lowest – Highest Lowest – Highest
    36 mo. N/A 4.49% – 14.99% $29.74 – $34.66
    48 mo. N/A 5.49% – 15.99% $23.25 – $28.34
    60 mo.  $10,000 5.49% – 15.99% $19.10 – $24.31
    72 mo.   $10,000 6.49% – 16.99% $16.81 – $22.24
    84 mo. $15,000 7.49% – 17.99% $15.33 – $21.01
    96 mo. $30,000 7.99% – 17.99% $14.13 – $19.72
    120 mo. $50,000 8.49% – 17.99% $12.39 – $18.01

    Rates effective as of 02/18/2020.
    All rates, terms and conditions subject to change.
    Rates and terms will vary based on the credit worthiness of individual applicants.


Personal Loans

  • Smart Personal

    Personal loan rates
    CONSUMER LOANS Maximum Repayment Fixed Rate Annual Percentage Rates Estimated Payment per $1,000 Borrowed
    Smart Personal Loan: Maximum: $20,000 60 Mo. Lowest - Highest
    10.50% - 17.75%
    Lowest - Highest
    $21.49 - $25.26

    Rates Effective As Of 02/18/2020.
    All rates, terms and conditions subject to change.
    Rates and terms will vary based on the credit worthiness of individual applicants.

  • Ready Line of Credit

    Ready cash line of credit rates
    CONSUMER LOANS Maximum Repayment Non-Variable Annual Percentage Rates Estimated Payment per $1,000 Borrowed
    Ready Cash Line of Credit/ Overdraft Protection N/A Lowest - Highest
    13.50% - 18.00%1
    $302

    Rates Effective As Of 02/18/2020.
    All rates, terms and conditions subject to change.
    ¹Rates and terms will vary based on the credit worthiness of individual applicants.
    ²Your monthly payment will be 3% of the credit limit with a minimum of $25.

    There is no grace period and interest will begin to accrue on the date of the transaction or advance.

  • Secured

    Share/Savings secured loan rates
    TYPE OF LOAN Maximum Loan Amount Maximum Repayment Fixed Rate Annual Percentage Rates Estimated Payment per $1,000 Borrowed
    Share Certificate Up to 95% of share certificate Not to exceed maturity date of certificate 5% $29.971
    Savings Secured Up to 95% of the available shares 144 Mo. 5% $9.252

    Rates Effective As Of 02/18/2020.
    All rates, terms and conditions subject to change.
    Rates and terms will vary based on the credit worthiness of individual applicants.

    ¹Payment per $1000 is based on a 36 month term with an APR of 5.00%.
    ²Payment per $1000 based on a 144 month term with an APR of 5.00%.

  • Life Happens MicroLoan

    microloan rates
    Maximum Loan Amount Maximum Repayment Term Fixed Rate Annual Percentage Rate Estimated Payment per $1,000 Borrowed
    $1,000 6 Mo. 24% $178.53

    Rates Effective As Of 02/18/2020.
    All rates, terms and conditions subject to change.
    Rates and terms will vary based on the credit worthiness of individual applicants.

    Minimum loan amount: $200
    Minimum loan repayment term: One (1) month
    Membership must be open 30 days prior to application.
    Maximum of three (3) MicroLoans in a rolling six (6) month period, with one (1) MicroLoan at a time.


Fixed Rate Home Loans

  • Conventional First Mortgage

    Conventional First Mortgage Rates
    Loan Term* Rate Points Annual Percentage Rate
    30 Year 3.250% 0.000% 3.294%
    20 Year 3.125% 0.000% 3.186%
    15 Year 2.875% 0.000% 2.954%
    10 Year 2.875% 0.000% 2.990%

    Rates Effective As Of 02/21/2020.
    All rates, terms and conditions subject to change.
    Rates and terms will vary based on the credit worthiness of individual applicants.
    Upon underwriting approval, the appraisal fee will be collected before the appraisal will be ordered.
    *Conventional Payment Example: A loan amount of $510,400 for 30 years at 3.294% APR would have a monthly payment of $2,221. This example does not include taxes and insurance. Your actual payment obligation will be higher.
    Annual Percentage Rates (APR) are based on loan amounts of $510,400 for conforming loans plus pre-paid fees and 95% loan-to-value (LTV) ratio. Private Mortgage Insurance is required on loans over 80% LTV.

  • Veterans Affairs (VA)

    va loan rates
    Loan Term* Rate Points Annual Percentage Rate
    30 Year 3.000% 1.500% 3.349%
    15 Year 3.750% 0.125% 4.380%

    Rates Effective As Of 02/21/2020.
    All rates, terms and conditions subject to change.
    Rates and terms will vary based on the credit worthiness of individual applicants.
    *VA Payment Example: A $510,400 loan for 30 years at 3.603% APR would have a monthly payment of $2,221 This example does not include taxes and insurance. Actual payment obligation will be higher.
    Annual Percentage Rates (APR) based on loan amount of $510,400.

  • Federal Housing Administration (FHA)

    fha loan rates
    Loan Term* Rate Points Annual Percentage Rate
    30 Year 3.000% 1.500% 4.201%
    15 Year 3.750% 0.125% 5.084%

    Rates Effective As Of 02/21/2020.
    All rates, terms and conditions subject to change.
    Rates and terms will vary based on the credit worthiness of individual applicants.
    *FHA Payment Example: A $314,827 loan for 30 years at 4.453% APR would have a monthly payment of $1,444 This example does not include taxes and insurance. Actual payment obligation will be higher.
    Mortgage Insurance Premium (MIP) is required on all FHA loans for life regardless of the loan to value.
    FHA Maximum Loan Amounts: 1 unit=$331,760 | 2 unit = $424,800 | 3 unit = $513,450 | 4 unit = $638,100
    Annual Percentage Rates (APR) are based on loan amount of $331,760

  • Manufactured Housing

    Manufacturing housing rates
    Loan Term* Rate Points Annual Percentage Rate
    30 Year 3.250% 1.000% 3.375%
    15 Year 3.125% 1.000% 3.300%

    Rates Effective As Of 02/21/2020.
    All rates, terms and conditions subject to change.
    Rates and terms will vary based on the credit worthiness of individual applicants.
    *Manufactured Payment Example: A $510,400 loan for 30 years at 3.375% APR would have a monthly payment of $2,221. This example does not include taxes and insurance. Your actual payment obligation will be higher Annual Percentage Rates (APR) are based on loan amounts of $510,400 for conforming loans plus pre-paid fees and 80% loan-to-value (LTV) ratio and does not include Private Mortgage Insurance (PMI). PMI is required on loans over 80% LTV.
    Manufactured homes must be on a permanent foundation and a recorded “Notice of Manufactured Home, Mobile Home, or Commercial Coach Installation on a Foundation system,” also known as 433A, must be presented to us prior to approval. (Primary Residence and Vacation Homes).

  • Investment Property

    Investment loan rates
    Conventional/Conforming – Fixed Rate Investment Mortgage
    Loan Term* Rate Points** Annual Percentage Rate
    15 Year 3.125% 3.375% 3.706%

    Rates Effective As Of 02/21/2020.
    All rates, terms and conditions subject to change.
    Rates and terms will vary based on the credit worthiness of individual applicants.
    *Investment Payment Example: A $510,400 loan for 15 years at 3.706% APR would have a monthly payment of $3,555. This example does not include taxes and insurance. Actual payment obligation will be higher.
    Minimum 20% down payment is required on 1 unit properties. Minimum 25% down payment is required on 2-4 unit properties.
    Annual Percentage Rates (APR) are based on loan amounts of $510,400 for conforming loans plus pre-paid fees and 80% loan-to-value (LTV) ratio. Private Mortgage Insurance is required on loans over 80% LTV.
    **Base point structures listed are for loan-to-values up to 75%. If you are applying for a loan that has a loan-to-value between 75-80%, then the base point structure is increased by 1.000% additional points.

    Adjustable Rate Investment Mortgage (ARM)
    Loan Term*** Rate Points Annual Percentage Rate
    15 Year
    5/5 Adj
    Margin 1.750%
    Cap 2/5
    3.125% 0.000% 3.206%
    30 Year/15 Year Balloon³
    5/5 Adj
    Margin 1.750%
    Cap 2/5
    3.500% 0.000% 3.347%

    Rates Effective As Of 02/21/2020.
    All rates, terms and conditions subject to change.
    Rates and terms will vary based on the credit worthiness of individual applicants.
    ***Investment ARM Payment Example: A loan amount of $510,400, for 15 years at 3.206% APR would have a monthly payment of $3,555. This example does not include taxes and insurance. Actual payment obligation may be higher.
    Minimum 20% down payment is required on all property types.
    Annual Percentage Rates (APR) are based on loan amounts of $510,400 for conforming loans plus prepaid fees and 80% loan-to-value (LTV) ratio and does not included Private Mortgage Insurance (PMI). PMI is require on loans over 80% loan to value (LTV).
    Adjustable Rate Mortgages 5/5 (ARM) has a fixed rate for an initial period of five years; then adjusts every five years thereafter and requires a minimum 20% down. Subject to index, margin, and periodic rate caps. Adjustable rate will be based on the weekly average yield on United States treasury securities adjusted to a constant maturity of five years.
    ³A balloon payment will be due and payable on the 15- year maturity date. Subject to index, margin, and periodic rate caps. Adjustable rate will be based on the weekly average yield on United States Treasury securities adjusted to a constant maturity of five years.


Adjustable Rate* Home Loans

  • 5/5 Adjustable Rate Mortgage - Conforming and Jumbo Loans

    5/5 ARM Conforming and Jumbo Loan Rates
    Loan Program Loan Term Rate Points Adjustable Annual Percentage Rate
    5/5 Conforming Adjustable Margin 1.75%
    Cap 2/5
    30 Year 3.125% 0.00% 3.168%
    5/5 Jumbo Adjustable Margin 1.75%
    Cap 2/5
    30 Year 3.125% 0.00% 3.158%

    Rates Effective As Of 02/19/2020.
    All rates, terms and conditions subject to change.
    Rates and terms will vary based on the credit worthiness of individual applicants.
    5/5 ARM Conforming loan payment example: A $510,400 loan for 30 years at 3.168% APR would have a monthly payment of $2,186. This example does not include taxes and insurance. Actual payment obligation will be higher.
    5/5 Jumbo ARM loan payment example: A $750,000 loan for 30 years at 3.158% APR would have a monthly payment of $3,213. This example does not include taxes and insurance. Actual payment obligation will be higher.
    Jumbo loans are loan amounts starting at $510,401. Minimum 10% down required.
    Annual Percentage Rates (APR) are based on loan amounts of $750,000 for Jumbo loans plus pre-paid fees and 80% loan-to-value (LTV) ratio.
    *Additional Information about our Adjustable Rate Mortgages (ARM) – The APR, interest rate and principal and interest payment are subject to increase/decrease and will change after the loan is closed due to market-driven changes to the index.

  • 7/1 Adjustable Rate Mortgage - Conforming and Jumbo Loan Rates

    7/1 ARM Conforming and Jumbo Loan Rates
    Loan Program Loan Term Rate Points Adjustable Annual Percentage Rate
    7/1 Conforming Adjustable Margin 2.375%
    Cap 5/2/5
    30 Year 3.250% 0.00% 3.759%
    7/1 Jumbo Adjustable Margin 2.625%
    Cap 5/2/5
    30 Year 3.250% 0.00% 3.749%

    Rates Effective As Of 02/19/2020.
    All rates, terms and conditions subject to change.
    Rates and terms will vary based on the credit worthiness of individual applicants.
    7/1 ARM Conforming loan payment example: A $510,400 loan for 30 years at 3.168% APR would have a monthly payment of $2,186. This example does not include taxes and insurance. Actual payment obligation will be higher.
    Annual Percentage Rates (APR) are based on loan amounts of $510,400 for conforming loans plus pre-paid fees and 80% loan-to-value (LTV) ratio.
    7/1 ARM Jumbo loan payment example: A $750,000 loan for 30 years at 3.158% APR would have a monthly payment of $3,3213. This example does not include taxes and insurance. Actual payment obligation will be higher.
    Jumbo loans are loan amounts starting at $510,401. Minimum 20% down required.
    Annual Percentage Rates (APR) are based on loan amounts of $750,000 for Jumbo loans plus pre-paid fees and 80% loan-to-value (LTV) ratio.
    *Additional Information about our Adjustable Rate Mortgages (ARM) – The APR, interest rate and principal and interest payment are subject to increase/decrease and will change after the loan is closed due to market-driven changes to the index.


Home Equity Loans

  • Powerhouse

    powerhouse loan rates
    Loan Type Annual Percentage Rate Maximum Term** Maximum Loan-To-Value
    Powerhouse 80 6.500% 20 Years 80%
    Powerhouse 85 5.500% 15 Years 85%
    Powerhouse 90 4.500% 10 Years 90%

    Rates Effective As Of 02/18/2020.
    All rates, terms and conditions subject to change.
    Rates and terms will vary based on the credit worthiness of individual applicants.
    **Payment Example: A $35,000 loan at 6.50% would have 240 monthly payments of $260.95. Property must be owner occupied. A full appraisal may be required based on the loan amount or combined loan to value.

  • Prime Equity Line of Credit

    prime equity loan rates
    Loan Type Adjustable+ Annual Percentage Rate Max Repayment Max Loan Amount Draw Period
    Prime Equity As low as
    6.75%
    25 Years Up to 80% CLTV First 10 Years

    Rates Effective As Of 02/18/2020.
    All rates, terms and conditions subject to change.
    Rates and terms will vary based on the credit worthiness of individual applicants.
    The above Annual Percentage Rates were calculated using a loan of $35,000.
    +Additional information about our Adjustable Rate Mortgage (ARM) - The APR, interest rate, and principal and interest payment are subject to increase/decrease and will change after the loan is closed due to market-driven changes to the index. The APR cannot increase more than 2% per year, and not more than 6% over the life of the loan. The APR will never exceed 15%.
    Property must be owner occupied. Hazard insurance is required on the property being used as collateral. Interest may be tax deductible, consult your tax advisor for more information. A full appraisal may be required based on the loan amount or combined loan to value.