Current Rates
Loan Rates
New & Used Auto Loans
New & Used Autos
Effective Date: Thursday, October 30th, 2025
(includes cars, vans, trucks, and conversion van)
| Term | APR as low as |
|---|---|
| New Auto - 2025-2023 with less than 25,000 miles | |
| Up to 36 Months | 4.99% |
| Up to 48 Months | 4.99% |
| Up to 60 Months | 4.99% |
| Up to 72 Months | 5.49% |
| Up to 84 Months | 6.49% |
| Used Auto 1-5 Model Year Old (2024-2020) | |
| Up to 36 Months | 5.24% |
| Up to 48 Months | 5.24% |
| Up to 60 Months | 5.49% |
| Up to 72 Months | 5.74% |
| Used Auto 5+ Model Year & Older (2019 & older) | |
| Up to 36 Months | 5.24% |
| Up to 48 Months | 5.24% |
| Up to 60 Months | 5.49% |
New & Used Motorcycle, Boat/Watercraft & RVs
New & Used Motorcycle, Boat/Watercraft & RVs
| Term | APR as low as |
|---|---|
| New Motorcycle, Boat/Watercraft & RV Loans | |
| 36-59 Months | 6.50% |
| 60-84 Months | 6.90% |
| 10 Year Fixed (minimum $50,000) | 7.74% |
| 15 Year Fixed (minimum $65,000) | 8.55% |
| Used Motorcycle, Boat/Watercraft & RV | |
| 36-59 Months | 6.74% |
| 60-84 Months | 7.24% |
| 10 Year Fixed (minimum $50,000) | 8.00% |
| 15 Year Fixed (minimum $65,000) | 8.74% |
New & Used ATVs
New & Used ATVs
| Term | APR as low as |
|---|---|
| New ATVs | |
| Up to 60 Months | 7.50% |
| 84 Months (for new only) | 7.75% |
| Used ATVs | |
| Up to 60 Months | 7.74% |
Mortgages
Mortgages
| Description | APR as low as |
|---|---|
| 5 Year Balloon - amortized 15/30 | 6.00% |
| 7 Year Balloon - amortized 15/30 | 6.00% |
| 9 Year Balloon - amortized 15/30 | 6.00% |
| 12 Year Balloon - amortized 15/30 | 6.75% |
| 10 Year Fixed | 5.35% |
| 15 Year Fixed | 5.50% |
| 20 Year Fixed | 5.75% |
| 25 Year Fixed | 6.00% |
| 30 Year Fixed | 6.25% |
Home Equity Loans
Home Equity Loans
| Term | APR as low as |
|---|---|
| 5 Year Fixed | 6.99% |
| 10 Year Fixed | 7.25% |
| 15 Year Fixed | 7.75% |
| 20 Year Fixed | 8.00% |
Visa Credit Card
Visa Credit Card
| Description | APR as low as |
|---|---|
| Visa Credit Card | 8.90% |
Personal Loans
Personal Loans
| Description | APR as low as |
|---|---|
| Signature Loans | 10.99% |
| Credit Builder Loans (12 to 24 mos) | 11.25% |
| Share Secured Loans (Base Rate 3.00% + Share/CD Rate) Max 60 mos. |
3.00% |
Other Loans
Other Loans
| Description | APR as low as |
|---|---|
| Emergency Loan | 18.00% + Fees |
| Line of Credit-Checking Overdraft Protection | 18.00% |
| APR=Annual Percentage Rate | |
Savings Rates
Savings
Savings
Effective Date: Thursday, October 30th, 2025
| Description | APY |
|---|---|
| Youth Savings Account: $0 & Up | 1.00% |
| Adult Savings: $0 - $499.99 | 0.00% |
| Adult Savings: $500 - $10,000 | 0.05% |
| Adult Savings: $10,000.01 & Up | 0.10% |
| Christmas Club: $1.00 & Up | 0.05% |
| Business Savings: $0 - $499.99 | 0.00% |
| Business Savings: $500 - $10,000 | 0.15% |
| Business Savings: $10,000.01 & Up | 0.25% |
Checking Rates
Checking Rates
| Tier Breakdown | APY |
|---|---|
| Basic Checking | |
| $0 or over | 0.00% |
| Premium Checking | |
| $0 - $2,499.99 | 0.00% |
| $2,500 - $9,999.99 | 0.00% |
| $10,000 - $24,999.99 | 0.00% |
| $25,000 - $49.999.99 | 0.00% |
| $50,000 & over | 0.00% |
| Business Checking With Interest | |
| $0 - $9,999.99 | 0.00% |
| $10,000 - $24,999.99 | 0.05% |
| $25,000 - $49,999.99 | 0.10% |
| $50,000 - $99,999.99 | 0.15% |
| $100,000 & over | 0.15% |
Certificates of Deposit
Certificates of Deposit
| Term | Minimum Deposit | APY |
|---|---|---|
| Save to Win CD | ||
| 12 Months | $25.00 | 3.50% |
| 3 Months | $500.00 | 0.50% |
| 6 Months | $500.00 | 4.00% |
| 12 Months | $1,000.00 | 3.50% |
| 18 Months | $1,000.00 | 3.75% |
| 24 Months | $1,000.00 | 3.50% |
| 36 Months | $1,000.00 | 3.50% |
| 48 Months | $1,000.00 | 3.50% |
| 60 Months | $1,000.00 | 3.50% |
| Youth CD - Min./Max. Deposit $100/$2,000 (Max. Age 23 yrs.) | ||
| 4 Months | $100.00 | 4.00% |
IRA Passbook Account
IRA Passbook Account
| Tier Breakdown | APY |
|---|---|
| $0 - $100.99 | 0.00% |
| $101.00 - $1,000.99 | 0.05% |
| $1001.00 - $24,999.99 | 0.15% |
| $25,000.00 - $49,999.99 | 0.20% |
| $50,000 & over | 0.25% |
Traditional/Roth IRA CDs
Traditional/Roth IRA CDs
| Term | APY |
|---|---|
| 12 Months - Minimum Deposit $1,000 | 3.50% |
| 24 Months - Minimum Deposit $1,000 | 3.50% |
| 36 Months - Minimum Deposit $1,000 | 3.50% |
| 48 Months - Minimum Deposit $1,000 | 3.50% |
| 60 Months - Minimum Deposit $1,000 | 3.50% |
| APY=Annual Percentage Yield. Fees could reduce your earnings on savings products. | |
Money Market Account
Money Market Account
| Tier Breakdown | APY |
|---|---|
| $0 - $999.99 | 0.10% |
| $1,000 - $24,999.99 | 0.25% |
| $25,000 - $49,999.99 | 0.35% |
| $50,000 - $99,999.99 | 0.45% |
| $100,000 & Up | 0.55% |
| $200,000 and up | 0.75% |