Rates

Our Current Rates

Take a look below for the latest rates on IRAs, Loans, Mortgages and Farm Equipment.

Share/Savings Accounts

IRA Accounts

Dividends compounded daily
Posted Quarterly

Determined Quarterly by the Board of Directors

Share Accounts

Dividends compounded daily
Posted Quarterly

Determined Quarterly by the Board of Directors

Share Draft Accounts

No dividends
No monthly fee and no minimum balance

Share Certificate Accounts

  • Dividends Compounded Daily – Paid Monthly
  • $500 minimum deposit
  • 6 Month Term 0.75%
  • 12 Month Term 1.00%
  • 24 Month Term 1.25%
  • 36 Month Term 1.50%

Loan Accounts

Unsecured Loans

Personal
$5000 Maximum

Risk-based * Call for rates

up to 48 months

Christmas (Oct. 1 – Jan. 15)
$1500 Maximum

Risk-based * Call for rates

up to 12 months

Vacation (May 1 – Sep. 1)
$1500 Maximum

Risk-based * Call for rates

up to 12 months

Share-Secured Loans

Share Secured
Based on available account balance

3.00% above last dividend declared APR

Up to 120 months

Vehicle Loans

New Vehicle
Current or prior year with less than 15,000 miles

Risk-based * Call for rates

Up to 72 months

Used Vehicle
Maximum 15 years old

Risk-based * Call for rates

NADA value/up to 60 mos/depends on age of vehicle

Real Estate

1st Mortgages
$250,000 (max)

15 Years/180 Months
30 Years/360 Months

15 year – Prime + 1.00% APR
30 year – Call for rate (adjustable)

2nd Mortgages
$50,000 (max)

10 Years/120 Months

Prime + 2.00% APR

Unimproved Property

15 Years/180 Months

Prime + 2.00% APR

Recreational Vehicles

New and Used

Four Wheeler

Boat

Camper

RV

Motorcycle

As low as 5.50% APR

As low as 6.00% APR

As low as 6.00% APR

As low as 6.00% APR

As low as 5.50% APR

Up to 60 months

Up to 60 months

Up to 72 months

Up to 72 months

Up to 60 months

Farm Equipment

New Farm Equipment

Used Farm Equipment

3.00% APR

5.00% APR

Up to 60 months

Up to 48 months