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Risk-Based | Loans | Savings | Certificates

 Ask the Loan Department how to DIscount Rates on New & Used Vehicles to 2.45% APR                                  

New  Vehicles (Individual Equifax Credit Rating may affect final rate)  A
APR*
B
APR*
C
APR*
D
APR*
36 months 2.95 2.95 6.25 13.00
48 months 2.95 2.95 6.25 13.00
60 months 3.25 3.25 7.00 13.00
72-84 months** 3.50 3.50  7.50 14.00


Used or Refinanced Autos (For vehicles models 2010 - 2012)

Credit Rating (Individual Equifax Credit Rating may affect final rate) A
APR*
B
APR*
C
APR*
D
APR*
Up to 84 months 2.95  2.95 6.50 14.00


Used or Refinanced Autos (For vehicles models 2007 - 2009)

Credit Rating (Individual Equifax Credit Rating may affect final rate) A
APR*
B
APR*
C
APR*
D
APR*
Up to 60 months 3.25 3.25 6.75 14.00


New & Used Marine & Recreational Vehicles***

Credit Rating (Individual Equifax Credit Rating may affect final rate) A
APR*
B
APR*
C
APR*
D
APR*
up to 60 months (up to $25,000) 3.75 3.75 6.25 14.00
60- 72 months**** (over $25,000) 4.25 4.25 6.75 14.00


Miscellaneous Secured

Credit Rating A
APR*
B
APR*
C
APR*
D
APR*
6 months ($0 - $300) 8.50 9.50 10.50 14.00
9 months ($301 - $500) 8.50 9.50 10.50 14.00
15 months ($501 - $1200) 8.50 9.50 10.50 14.00
24 months ($1201 - $3500) 8.50 9.50 10.50 14.00
36 months ($3501 - $10,000) 8.50 9.50 10.50 14.00


Line of Credit/Signature

Credit Rating A
APR*
B
APR*
C
APR*
D
APR*
6 months ($0 - $300)  9.50  10.50 12.50 16.00
9 months ($301 - $500) 9.50 10.50 12.50 16.00
15 months ($501 - $1200) 9.50 10.50 12.50 16.00
24 months ($1201 - $3500) 9.50  10.50 12.50 16.00
36 months ($3501 - $10,000) 9.50 10.50 12.50 16.00
48 months ($10,001 - $15,000) 9.50 10.50 12.50 16.00


Vacation Loans - ($2000 maximum loan amount)

Credit Rating A
APR*
B
APR*
C
APR*
D
APR*
up to 12 months 8.00 8.50 10.50 13.50

Christmas Loans - ($ 2500 maximum loan amount)

Credit Rating A
APR*
B
APR*
C
APR*
D
APR*
up to 12 months 8.00 8.50 10.50 13.50

 Back-to-School  Loans - ($1200 maximum loan amount)
Credit Rating A
APR*
B
APR*
C
APR*
D
APR*
up to 12 months 8.00 8.50 10.50 13.50

* APR = Annual Percentage Rate
** To finance for 84 months the amount must be over $25,000
*** Financing available for up to 100% of Manufacturer's Suggested Retail Price (MSRP)
**** To finance up to 72 months the amount must be $25,000 or less
***** Financing available for up to 100% of Value


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Loans Rate APR* Term  
Mastercards - Secured 7.50 7.50 n/a Calculator
Mastercards - Regular 11.90 11.90 n/a Calculator
Mastercards - Gold  9.90  9.90 n/a Calculator
*APR = Annual Percentage Rate
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Savings Minimum Balance Interest Rate APY* Term
Share Accounts less than $100 .00 .00 n/a  
  greater than $100 .10 .10 n/a  

*APY = Annual Percentage Yield

Share Drafts Minimum Balance Interest Rate APY* Term
Sharedraft  Accounts 500 .00 .00 n/a
*APY = Annual Percentage Yield
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Certificates Minimum Deposit Interest Rate APY* Term
6 months $1000 .15 .15 6
12 months $1000 .20 .20 12
18 months $1000 .25 .25 18
*APY = Annual Percentage Yield (Rates subject to change)
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