Rates

The APR is determined by applicant credit, payment history, collateral, term of loan, and percent of product financed. Your individual rate and term may vary. Rates and terms subject to change. The rates published below are advertising the lowest rate possible on each term. Please contact a loan officer for more information.

Loans | Savings | Certificates

Loans

Automobile LoansAPR*Term
2015 - 2018 New & Used Cars, Trucks, Vans, Motorcycles*3.0036
2015 - 2018 New & Used Cars, Trucks, Vans, Motorcycles*3.2048
2015 - 2018 New & Used Cars, Trucks, Vans, Motorcycles*3.3060
2015 - 2018 New & Used Cars, Trucks, Vans, Motorcycles*3.8072
2015 - 2018 New & Used Cars, Trucks and Vans4.5584
2013 - 2014 Used Cars, Trucks, Vans, Motorcycles*3.3048
2013 - 2014 Used Cars, Trucks, Vans, Motorcycles*3.5560
2011 - 2012 Used Cars, Trucks, Vans, Motorcycles*3.8048
2011 - 2012 Used Cars, Trucks, Vans, Motorcycles*4.3060
2010 and Older Used Cars, Trucks, Vans, Motorcycles*5.0536
**Motorcycles (except Touring / Harley Davidson's) add 2.00%
RV LoansAPR*Term
New RV's & Boats Under $10,0004.0560
New RV's & Boats $10,000 - $25,0004.0560
New RV's & Boats $10,000 - $25,0005.0596
New RV's & Boats Over $25,0004.0560
New RV's & Boats Over $25,0005.0596
Used RV's & Boats Under $10,0004.5560
Used RV's & Boats $10,000 - $25,0004.5560
Used RV's & Boats $10,000 - $25,0005.3096
Used RV's & Boats Over $25,0004.5560
Used RV's & Boats Over $25,0005.3096
We also have 120 month and 144 month terms available for RV loans. Contact a loan officer for applicable rates.
Home Equity LoansAPR*Term
Home Equity Line of Credit (HELOC) | Variable Rate4.00
Home Equity Line of Credit (HELOC) | 5-Year Fixed Rate4.50
Home Equity Line of Credit (HELOC) | 7-Year Fixed Rate4.75
Home Equity Line of Credit (HELOC) | 10-Year Fixed Rate5.25
2nd MortgagesAPR*Term
2nd Mortgage | Fixed Rate (as much as 100% Loan to Value and up to 5 Years)4.25
2nd Mortgage | Fixed Rate (as much as 100% Loan to Value and up to 9 Years)5.00
2nd Mortgage | Fixed Rate (as much as 75% Loan to Value and up to 5 Years)4.25
2nd Mortgage | Fixed Rate (as much as 75% Loan to Value and up to 9 Years)5.00
Revolving CreditAPR*Term
Line of Credit12.25
Line of Credit with Checking Account12.25
VISA Basic Credit Card15.90
VISA Platinum Points Credit Card11.90
VISA Platinum Rates Credit Card9.25
Miscellaneous LoansAPR*Term
Share Secured Loan (100% Share Secured in Excess of $999.99)2.50
Signature or Personal Loan (>$1,000)7.90
Signature or Personal Loan (<$1,000)11.50

*APR = Annual Percentage Rate. The APR for this product is determined by applicant credit, payment history, collateral, term of loan, and percent of product financed. Your individual rate and term may vary.

Savings

Basic Savings AccountsMinimum BalanceDividend RateAPY*
Regular Shares$5.00 to $2,499.000.100.10
Regular Shares$2,500.00 or Greater0.100.10
Christmas Club AccountNone0.100.10
Vacation Club AccountNone0.100.10
Money MarketsMinimum BalanceDividend RateAPY*
Money Market (Balance $2,500 - $9,999)2,5000.200.20
Money Market (Balance $10,000 - $24,999)10,0000.220.22
Money Market (Balance $25,000 and Above)25,0000.250.25
MAXimum Money Market (Balance $25,000 - $49,999)25,0000.300.30
MAXimum Money Market (Balance $50,000 - $99,999)50,0000.350.35
MAXimum Money Market (Balance $100,000 and Above)100,0000.400.40
IRAMinimum BalanceDividend RateAPY*
IRA Builder$50 to Open0.450.45
Roth IRA Builder$50 to Open0.450.45
Health Savings Account (HSA)Minimum BalanceDividend RateAPY*
HSA$50.001.001.00
CheckingMinimum BalanceDividend RateAPY*
Free Checking No Minimum Balance0.000.00
Share Draft Plus/Checking$500.000.100.10
Horizon Club Checking$500 Balance Required to Earn Dividend0.100.10
Premier Advantage Checking (Must be at least 50 years of age)$500 Balance Required to Earn Dividend0.100.10

*APY = Annual Percentage Yield

Certificates

CertificatesMinimum DepositDividend RateAPY*Term
Share Certificate Starter**1000.200.2012
Share Certificates $1,000.00 to $9,999.001,0000.200.203
Share Certificates $1,000.00 to $9,999.001,0000.250.256
Share Certificates $1,000.00 to $9,999.001,0000.400.4012
Share Certificates $1,000.00 to $9,999.001,0000.450.4518
Share Certificates $1,000.00 to $9,999.001,0000.500.5024
Share Certificates $1,000.00 to $9,999.001,0000.550.5530
Share Certificates $1,000.00 to $9,999.001,0000.950.9536
Share Certificates $1,000.00 to $9,999.001,0001.191.2048
Share Certificates $1,000.00 to $9,999.001,0001.491.5060
Share Certificates $10,000.00 to $49,999.0010,0000.250.253
Share Certificates $10,000.00 to $49,999.0010,0000.300.306
Share Certificates $10,000.00 to $49,999.0010,0000.500.5012
Share Certificates $10,000.00 to $49,999.0010,0000.600.6018
Share Certificates $10,000.00 to $49,999.0010,0000.750.7524
Share Certificates $10,000.00 to $49,999.0010,0000.850.8530
Share Certificates $10,000.00 to $49,999.0010,0001.141.1536
Share Certificates $10,000.00 to $49,999.0010,0001.391.4048
Share Certificates $10,000.00 to $49,999.0010,0001.691.7060
Share Certificates $50,000.00 or Greater50,0000.500.503
Share Certificates $50,000.00 or Greater50,0000.800.806
Share Certificates $50,000.00 or Greater50,0001.001.0012
Share Certificates $50,000.00 or Greater50,0001.091.1018
Share Certificates $50,000.00 or Greater50,0001.341.3524
Share Certificates $50,000.00 or Greater50,0001.441.4530
Share Certificates $50,000.00 or Greater50,0001.641.6536
Share Certificates $50,000.00 or Greater50,0001.881.9048
Share Certificates $50,000.00 or Greater50,0001.982.0060
SPECIAL RATE: Share Certificates $10,000.00 Minimum$10,0001.391.4015
SPECIAL RATE: Share Certificates $10,000.00 Minimum$10,0001.791.8040

*APY = Annual Percentage Yield
**Additional Deposits of at least $10.00 may be added at any time.
Substantial penalty for early withdrawal.