Consumer Loan

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APR Repayment Term
Auto Loans APR = Annual Percentage Rate. Rate effective as of 7/1/19. Credit restrictions apply. Rates and terms are subject to change at anytime. Rate is determined by individual credit history and repayment term. Payment example: 60 monthly payments of $18.64 for each $1,000 borrowed. Credit requirements must be met to qualify. As low as 4.49% Up to 60 months Apply Now
Motorcycle or ATV APR = Annual Percentage Rate. Rate is effective as of 3/2/19. Actual rate is determined by individual credit history and repayment term. Credit restrictions apply. Rates are subject to change at anytime without notice. Payment example: 72 monthly payments of $16.34 for each $1,000 As low as 5.49% Up to 72 Months depending on collateral Apply Now
Recreational Vehicles and Boats APR = Annual Percentage Rate. Rate effective as of 2/1/19. Rate is determined by individual credit history and repayment term. Credit restrictions apply. Rates are subject to change at anytime without notice. Payment example: 72 monthly payments of $16.33 for each $1,000. As low as 5.49% Up to 120 Months depending on collateral Apply Now
Airplane Loan APR = Annual Percentage Rate. Rate is good as of 3/9/17. Actual rate is determined by repayment term and individual credit history. Max loan amount of $75,000. Up to 75% loan to value. Credit restrictions apply. Rates are subject to change at anytime. Payment example: 72 monthly payments of $16.57 per $1,000 borrowed. As low as 5.99% Up to 72 Months Apply Now
Quick Loan APR = Annual Percentage Yield. Rates effective as of 3/1/18 and are subject to change at any time. Rate is determined by credit history. Other restrictions apply. Credit Union membership required with a minimum $25.00 share account. No application fee. No annual fee. No interest is charged until you use the funds. Payment example: $30 minimum monthly payment on every $1,000 borrowed. As low as 9.99% Various terms available Apply Now
Firm Foundation Loan APR = Annual Percentage Rate. Rate effective as of 3/1/18 and is subject to change at any time. Borrow up to $1,000. Credit restrictions apply. Payment example: 12 monthly payments of $87.91 for each $1,000. 9.99% 12 Months Apply Now
7-4-7 Loan APR = Annual Percentage Rate. Rate effective as of 3/1/2018. Credit restrictions apply. Rates and terms are subject to change at anytime. Payment example: 48 monthly payments of $23.95 per $1,000 borrowed. 7.00% Up to 48 Months Apply Now
Storm Shelter Loan APR = Annual Percentage Rate. Rate effective as of 3/1/2018 and subject to change at any time. Credit restrictions apply. Max loan amount of $5,000. Payment example: 36 monthly payments of $29.08 for every $1,000 financed. 2.99% 36 Months Apply Now

Visa® Credit Cards

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APR
Platinum Visa® Credit Card APR = Annual Percentage Rate. Rates are subject to change without notice. Rates effective as of 1/1/18. Credit restrictions apply. As low as 7.99% Apply Now
Gold Visa® Credit Card APR = Annual Percentage Rate. Rates are subject to change without notice. Rates effective as of 1/1/18. Credit restrictions apply. As low as 11.99% Apply Now
Classic Visa® Credit Card APR = Annual Percentage Rate. Rates are subject to change without notice. Rates effective as of 1/1/18. Credit restrictions apply. As low as 13.90% Apply Now
Cash Back Visa® Credit Card APR = Annual Percentage Rate. Rates are subject to change without notice. Rates effective as of 1/1/18. Credit restrictions apply. As low as 16.99% Apply Now
Share Secured Visa® Credit Card APR = Annual Percentage Rate. Rates are subject to change without notice. Rates effective as of 1/1/18. Credit restrictions apply. As low as 5.99% Apply Now

Visa Terms and Conditions

Deposits

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Balance Requirements Dividend Rate APY
Regular Share Savings APY = Annual percentage yield. Rate as of 3/1/18 and subject to change at anytime. $5.00 Minimum .05% .05% Apply Now
CertifiKID of Deposit - 12 Months APY = Annual Percentage Yield. Rate is effective as of 3/1/2018. Rates subject to change at any time. The APY assumes dividends are compounded monthly and will remain on deposit until maturity. Up to $2,000 in total deposits can be made during the term of the CD on this product only. A penalty may be imposed for early withdrawal. $100 .70% .70%
Optimum Checking APY = Annual Percentage Yield. The APY assumes dividends are compounded monthly. For balances over $40,000, the rate is .05% APY. Annual percentage yield. Rate as of 1/11/18 and subject to change at any time. A withdrawal of dividends mat reduce earnings. When qualifications are met. Fees may reduce earnings. Up to $40,000 1.49% 1.50%
90 Days CD APY = Annual Percentage Yield. Rate as of 2/28/2019 and subject to change at anytime. The APY assumes dividends are compounded monthly and will remain on deposit until maturity. A penalty may be charged for early withdrawal. Fees may reduce earnings. $1,000 .80% .80%
6 Month CD APY = Annual Percentage Yield. Rate as of 2/28/2019 and subject to change at anytime. The APY assumes dividends are compounded monthly and will remain on deposit until maturity. A penalty may be charged for early withdrawal. Fees may reduce earnings. $1,000 1.00% 1.00%
7-12 Month CD APY = Annual Percentage Yield. Rate as of 2/28/2019 and subject to change at anytime. The APY assumes dividends are compounded monthly and will remain on deposit until maturity. A penalty may be charged for early withdrawal. Fees may reduce earnings. $1,000 1.15% 1.16%
18 Month CD Special APY = Annual percentage yield. Rate as of 10/25/2018 and subject to change at anytime. The APY assumes dividends are compounded monthly and will remain on deposit until maturity. A penalty may be charged for early withdrawal. Fees may reduce earnings. $1000 + 2.72% 2.75%
13-23 Month CD APY = Annual Percentage Yield. Rate as of 2/28/2019 and subject to change at anytime. The APY assumes dividends are compounded monthly and will remain on deposit until maturity. A penalty may be charged for early withdrawal. Fees may reduce earnings. $500 1.40% 1.41%
24-35 Month CD APY = Annual Percentage Yield. Rate as of 2/28/2019 and subject to change at anytime. The APY assumes dividends are compounded monthly and will remain on deposit until maturity. A penalty may be charged for early withdrawal. Fees may reduce earnings. $500 1.60% 1.61`%
36-47 Month CD APY = Annual Percentage Yield. Rate as of 2/28/2019 and subject to change at anytime. The APY assumes dividends are compounded monthly and will remain on deposit until maturity. A penalty may be charged for early withdrawal. Fees may reduce earnings. $500 2.00% 2.02%
48-60 Month CD APY = Annual Percentage Yield. Rate as of 2/28/2019 and is subject to change at anytime. The APY assumes dividends are compounded monthly and will remain on deposit until maturity. A penalty may be charged for early withdrawal. Fees may reduce earnings. $500 2.10% 2.12%
Money Market Tier 1 APY = Annual percentage yield. Rate as of 8/1/18 and is subject to change at anytime. If the balance drops below $2,500, the rate will default to .05% APY. The APY assumes dividends are compounded monthly and will remain on deposit. Fees may reduce earnings. $2,500-$24,999 .30% .30%
Money Market Tier 2 APY = Annual percentage yield. Rate as of 8/1/18 and is subject to change at anytime. The APY assumes dividends are compounded monthly and will remain on deposit. Fees may reduce earnings. $25,000-$49,999 .40% .40%
Money Market Tier 3 APY = Annual percentage yield. Rate as of 8/1/18 and is subject to change at anytime. The APY assumes dividends are compounded monthly and will remain on deposit. Fees may reduce earnings. $50,000-$99,999 .50% .50%
Money Market Tier 4 APY = Annual percentage yield. Rate as of 8/1/18 and is subject to change at anytime. The APY assumes dividends are compounded monthly and will remain on deposit. Fees may reduce earnings. $100,000 and up .60% .60%

Mortgage Rates

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APR Repayment Term Rate
Home Loans - Purchase APR = Annual Percentage Rate. Credit restrictions apply. Rates and terms are subject to change at anytime. 3.75% 30 year fixed 4.08% Apply Now
Home Loan Refinance APR = Annual Percentage Rate. Credit restrictions apply. Rates and terms are subject to change at anytime. 3.88% 30 year fixed 4.08% Apply Now
Home Equity Line of Credit The APR is subject to change monthly. The minimum APR that can apply is 5%. The maximum APR that can apply is 18% . The variable rate is based on the Index plus Margin. The Index used to calculate the APR is the Wall Street Journal Prime Rate. 6.00% 10 year draw period followed by a 10 year repayment period 6.00% Apply Now
Land Loans APR = Annual Percentage Rate. Credit restrictions apply. Rates and terms are subject to change at anytime. 6.75% 15 year fixed 6.93% Apply Now
Renovation Loans* APR = Annual Percentage Rate. Credit restrictions apply. Rates and terms are subject to change at anytime.*Renovation loans require the work to be contracted out, aso "Do-it-yourself" options are available. 4.50% 15 year fixed 4.65% Apply Now
Vacation Homes APR = Annual Percentage Rate. Credit restrictions apply. Rates and terms are subject to change at anytime. 4.50% 15 year fixed 4.65% Apply Now
New Construction APR = Annual Percentage Rate. Credit restrictions apply. Rates and terms are subject to change at anytime.. 5.00% 12 months fixed 5.39% Apply Now
Jumbo Mortgage Loans APR = Annual Percentage Rate. Credit restrictions apply. Rates and terms are subject to change at anytime. 4.25% 15 year fixed 4.40% Apply Now
Investment Properties APR = Annual Percentage Rate. Credit restrictions apply. Rates and terms are subject to change at anytime. 5.00% 30 year fixed 5.04% Apply Now
Second Mortgage APR = Annual Percentage Rate. Credit restrictions apply. Rates and terms are subject to change at anytime. 4.50% 5 year fixed 5.09% Apply Now