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.

Loans | Savings | Certificates

Loans

Automobile LoansAPR*Term
2011 - 2014 New & Used Cars, Trucks, Vans, Motorcycles*2.2036
2011 - 2014 New & Used Cars, Trucks, Vans, Motorcycles*2.4048
2011 - 2014 New & Used Cars, Trucks, Vans, Motorcycles*2.6560
2011 - 2014 New & Used Cars, Trucks, Vans, Motorcycles*3.4572
2011-2014 New & Used Cars, Trucks and Vans4.2584
2009- 2010 Used Cars, Trucks, Vans, Motorcycles*2.5048
2009 - 2010 Used Cars, Trucks, Vans, Motorcycles*2.7560
2007 - 2008 Used Cars, Trucks, Vans, Motorcycles*3.0048
2007 - 2008 Used Cars, Trucks, Vans, Motorcycles*3.5060
2004 - 2006 Used Cars, Trucks, Vans, Motorcycles*4.5036
**Motorcycles (except Touring / Harley Davidson's) add 2.00%
RV LoansAPR*Term
New RV's & Boats under $10,0003.2560
New RV's & Boats $10,000 - $25,0003.2560
New RV's & Boats Over $25,0003.2560
Used RV's & Boats Under $10,0003.7560
Used RV's & Boats $10,000 - $25,0003.7560
Used RV's & Boats Over $25,0003.7560
We also have 84 month, 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)3.25
Home Equity Line of Credit (HELOC) | 5-Year Fixed Rate3.50
Home Equity Line of Credit (HELOC) | 7-Year Fixed Rate4.00
Home Equity Line of Credit (HELOC) | 10-Year Fixed Rate4.50
2nd MortgagesAPR*Term
2nd Mortgage | Fixed Rate (as much as 80% Loan to Value and up to 5 Years)3.50
2nd Mortgage | Fixed Rate (as much as 80% Loan to Value and up to 7 Years)3.75
2nd Mortgage | Fixed Rate (as much as 90% Loan to Value and up to 5 Years)4.00
2nd Mortgage | Fixed Rate (as much as 90% Loan to Value and up to 7 Years)4.50
Revolving CreditAPR*Term
Line of Credit11.90
Line of Credit with Checking Account12.90
VISA Basic Credit Card15.90
VISA Platinum Credit Card13.90
VISA Platinum Select Credit Card9.90
VISA Platinum Elite 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)9.15
Signature or Personal Loan (<$1,000)13.90

*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$25.00 to $2,499.000.100.10
Regular Shares$2,500.00 or Greater0.100.10
Christmas Club Account$10.000.100.10
Vacation Club AccountNone0.100.10
Money MarketsMinimum BalanceDividend RateAPY*
Money Market (Balance $2,500 - $9,999)2,5000.150.15
Money Market (Balance $10,000 - $24,999)10,0000.170.17
Money Market (Balance $25,000 and Above)25,0000.200.20
MAXimum Money Market (Balance $25,000 - $49,999)25,0000.200.20
MAXimum Money Market (Balance $50,000 - $99,999)50,0000.250.25
MAXimum Money Market (Balance $100,000 and Above)100,0000.300.30
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**1000.150.1512
Share Certificates $1,000.00 to $9,999.001,0000.150.153
Share Certificates $1,000.00 to $9,999.001,0000.150.156
Share Certificates $1,000.00 to $9,999.001,0000.200.2012
Share Certificates $1,000.00 to $9,999.001,0000.200.2018
Share Certificates $1,000.00 to $9,999.001,0000.250.2524
Share Certificates $1,000.00 to $9,999.001,0000.250.2530
Share Certificates $1,000.00 to $9,999.001,0000.500.5036
Share Certificates $1,000.00 to $9,999.001,0000.700.7048
Share Certificates $1,000.00 to $9,999.001,0001.001.0060
Share Certificates $10,000.00 to $49,999.0010,0000.150.153
Share Certificates $10,000.00 to $49,999.0010,0000.200.206
Share Certificates $10,000.00 to $49,999.0010,0000.300.3012
Share Certificates $10,000.00 to $49,999.0010,0000.300.3018
Share Certificates $10,000.00 to $49,999.0010,0000.450.4524
Share Certificates $10,000.00 to $49,999.0010,0000.450.4530
Share Certificates $10,000.00 to $49,999.0010,0000.700.7036
Share Certificates $10,000.00 to $49,999.0010,0000.900.9048
Share Certificates $10,000.00 to $49,999.0010,0001.191.2060
Share Certificates $50,000.00 or Greater50,0000.250.253
Share Certificates $50,000.00 or Greater50,0000.300.306
Share Certificates $50,000.00 or Greater50,0000.400.4012
Share Certificates $50,000.00 or Greater50,0000.400.4018
Share Certificates $50,000.00 or Greater50,0000.550.5524
Share Certificates $50,000.00 or Greater50,0000.550.5530
Share Certificates $50,000.00 or Greater50,0000.800.8036
Share Certificates $50,000.00 or Greater50,0001.001.0048
Share Certificates $50,000.00 or Greater50,0001.291.3060

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