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Rates

Share/Savings Accounts

Share Accounts


.10 APR Dividend paid last quarter .10 APY *
$5 Minimum

Club Accounts


.10 APR Dividend paid last quarter .10 APY *
$5 Minimum

Money Market Accounts


TIER 1 .60 APR .60 APY *
$2500 Minimum $24999 Maximum
TIER 2 .70 APR .70 APY *
$25000 Minimum $74999 Maximum
TIER 3 .80 APR .80 APY *
$75000 Minimum

Share Certificate Accounts


6 month CD
1.09 APR
1.10 APY *
$1000 Minimum
1 year CD
1.39 APR
1.40 APY *
$1000 Minimum
18 month CD
1.59 APR
1.60 APY *
$1000 Minimum
2 year CD
1.79 APR
1.80 APY *
$1000 Minimum
3 year CD
1.98 APR
2.00 APY *
$1000 Minimum
4 year CD
2.18 APR
2.20 APY *
$1000 Minimum
5 year CD
2.37 APR
2.40 APY *
$1000 Minimum

Share Draft Accounts


Checking (08) 0 APR 0 APY *
$5.00 minimum to earn dividend
  1. ANNUAL YIELD = (APY) = ANNUAL PERCENTAGE YIELD.
  2. RATE = (APR) = ANNUAL PERCENTAGE RATE.
  3. DIVIDENDS ARE CALCULATED ON THE AVERAGE DAILY BALANCE METHOD.
  4. DIVIDENDS ARE CALCULATED AND POSTED ON THE LAST DAY OF THE QUARTER, EXCEPT CHECKING, WHICH IS POSTED ON THE LAST DAY OF THE MONTH.
  5. NO DIVIDEND IS APPLIED TO ANY ACCOUNT THAT IS CLOSED PRIOR TO THE POSTING DATE.
  6. DIVIDENDS ARE PAID FROM AVAILABLE EARNINGS.
  7. YOU MUST MAINTAIN A MINIMUM DAILY BALANCE OF $5.00 IN YOU ACCOUNT EACH DAY TO EARN A DIVIDEND.

Loan Accounts

Unsecured Loans (Signature)

Personal Loans


First Year in the District 8.95% – 10.95%APR Up to 60 Months
Maximum $1,000

With cosigner Maximum  $3,500

2 or more years in the District 8.95% – 10.95%APR Up to 60 Months
Maximum $15,000

Secured Loans


Share Secured Last Div + 2.00% APR Maximum term is 10 Years
  You may borrow up to 100% of your available Share balance

Vehicle Loans


New Car, Boat, or Motorcycle 2.90% APR up to 72 Months
  $0 Minimum $45,000 Maximum 10 payments a year or 12 payments a year
Used Car:2017,2016,2015,2014 3.90% APR up to 60 Months
  $0 Minimum $40,000 Maximum 100% of NADA Retail VAlue
Used Car 2013,2012,2011,2010, 5.00% APR up to 48 Months
  $0 Minimum $40,000 Maximum 100% of NADA Retail Value

Home Equity Loans (Up to 80% loan to value)


Fixed Rate 4.20% APR 5 Years
  $10,000 Minimum $100,000 Maximum
Fixed Rate 4.70% APR 10 Years
  $10,000 Minimum $100,000 Maximum
Fixed Rate 5.20% APR 15 Years
  $10,000 Minimum $100,000 Maximum
Variable Rate Line of Credit 4.75% APR ** 20 Years
  $10,000 Minimum $100,000 Maximum, **Prime minus .25%. Prime rate is 5% as of 6/13/18. Rate changes when Prime changes.

Fees & Disclosures

Deposit Account Fees


check deposited returned unpaid $15.00
overdraft – ach and sharedraft $30.00
stop payment -check $10.00
copy of check $5.00
outgoing wire $25.00
incoming wire $15.00

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