Current Rates

Select a category below to view current rates.

Stated rates updated
November 1st, 2018.


All rates are subject to change without prior notification.

Rates may be as high as 17.95% depending on information obtained from your credit application and credit report.

AUTOMOBILE

BOATS

CHECKING

CLUB

CREDIT CARDS

HEALTH SAVINGS

IRA

MOBILE HOMES

MONEY MASTER

MORTGAGES

MOTORCYCLES, ATVs JET SKIS

PERSONAL LOAN

BOATS & RVs

SAVINGS

GENERAL SECURED

SHARE CERTIFICATES




 


LOAN RATES

sp loanCredit Cards

Top ^
Loan TypeTermBeginning APR*
Visa Platinum Signature
14.25% - 17.95%
Visa Platinum w/ Rewards13.25% - 17.95%
Visa Platinum Low-Rate
8.70% -14.50%
Student Visa Platinum
13.25% - 17.95%
Share Secured Visa Platinum
6.25%
*No member discounts apply

 Variable Rate Visa based on
 WSJ Prime


Mortgages

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ProductLoan to ValueBeginning Rate
Land70%Contact Mortgage Department
Home Equity Line of Credit80%Contact Mortgage Department
Construction Loan
Contact Mortgage Department
Mortgage
Contact Mortgage Department
Jumbo Mortgage
Contact Mortgage Department
New Mobile Home70%11.00%
Fixed Rate Second MortgageContact Mortgage Department

*APR= Annual Percentage Rate
Rates subject to change without prior notice and may be different than stated above.
Rates may be as high as 18% depending on the information obtained from your credit application and credit report.




SAVINGS & CHECKING RATES

Savings, Club, & IRA Accounts

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Product
Minimum BalanceDividend RateAPY*Term
Savings ($0.00-$200)$5.00 0.00%0.00%N/A
Savings($201-$1,000)$5.00 0.25%0.25%N/A
Savings ($1,001-$5,000)$5.00 0.30%0.30%N/A
Savings ($5,001-$10,000)$5.00 0.35%0.35%N/A
Savings ($10,001-$50,000)$5.00 0.40%0.40%N/A
Savings ($50,001+)$5.00 0.60%0.60%N/A

*APY=Annual Percentage Yield. Fees may Reduce Earnings.

Checking Account

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Product
Dividend RateAPY*
Wise Choice Checking
(Up to $999)
0.00%0.00%
Wise Choice Checking
($1,000+)
0.25%0.25%

*APY=Annual Percentage Yield. Fees may Reduce Earnings.


Money Master  Accounts, Health Savings Accounts & IRA Accounts 

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Money Master
Dividend RateAPY*
$1000 to $4,9990.40%0.40%
$5,000 to $9,9990.45%0.45%
$10,000 to $24,9990.50%0.50%
$25,000 to $49,9990.55%0.55%
$50,000 to $74,9990.75%0.75%
$75,000 to $99,9990.80%0.80%
Over $100,0001.25%1.25%


Health Savings AccountDividend RateAPY*                       
$1,000 to $5,000
0.15%
0.15%
Up to $10,000
0.20%
0.20%
Up to $20,000
0.25%
0.25%
Up to $50,000
0.30%
0.30%
Up to $75,000
0.50%
0.50%
Up to $100,000
0.55%
0.55%
Over $100,000
1.00%
1.00%

*APY=Annual Percentage Yield.





SHARE CERTIFICATE & IRA RATES

 SHARE CERTIFICATES & IRA ACCOUNTS

Top ^

Members
TermDividend RateAPY*
6 months
0.50%0.50%
12 months1.0%1.00%
24 months1.30%1.31%
36 months1.75%1.76%
48 months2.25%2.27%
60 months2.50%2.53%

$1,000 minimum deposit, early withdrawal subject to penalty, rates subject to change. 
*APY - Annual Percentage Yield. 


LOAN RATES

Automobiles




Top ^

New and Used
As low as
3.50%





APR= Annual Percentage Rate
($20,000 minimum for 72 months)
No other discounts apply.
Up to 84 month term allowed with ancillary products, payment protection, GAP and/or warranty.

Motorcycles, ATVs & Jet Skis




Top ^
New and UsedAs low as
6.13%





Boats & RVs

Top ^
New and
Used

As low as 
5.73%


Mobile Homes

Top ^
New Mobile Homes Only * (70% LTV)
71-120 months

General Secured

Top ^
New and
Used 
As low as
5.67%


            

sp loanPersonal


Top ^
Product
Term
APR*
Signature Loans
Up to 24 Months
8.91%

36 Months
10.91%

60 Months
13.91%



Line of Credit

15.74%
Stretch Loan

17.95%
Credit Enhancement Loan

17.95%
Borrow and Save17.95%
Wheels To Work
17.95%

*APR= Annual Percentage Rate



 

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