Rates

All savings rates and terms are effective as of July 1, 2026, and are subject to change.

Account Type	Minimum Balance	APY*
Regular Savings	$10	1.75%
Holiday and Vacation, Energy and All Purpose Clubs	$10	1.75%
Holiday Saver Club	$10	2.25% (.50% above savings rate)
6-Month Certificates	$500	3.00%
12-Month Certificates	$500	3.10%
24-Month Certificates	$500	3.25%
*APY = annual percentage yield

All rates and terms are effective as of July 1, 2026, and are subject to change.

Loan Type	Term	APR*
New Auto/Motorcycle (.25% rate discount with auto pay or direct deposit)	Up to 60 months	As low as 3.99%
Used Auto/Motorcycle (.25% rate discount with auto pay or direct deposit)	Up to 60 months	As low as 3.99%
Recreational Loans** (.25% rate discount with auto pay or direct deposit)	Up to 48 months	As low as 7.89%
Fixed Home Equity Loans***	Up to 60 months	As low as 6.74%
Personal Signature Loans (.25% rate discount with auto pay or direct deposit)	Up to 36 months	As low as 8.49%
Share Secured Loans	Up to 36 months	Share rate + 1.50%
Other rates and terms are available for all loans. Call to discuss your options. APR = annual percentage rate. Recreational Loans include ATVs, snowmobiles, RVs, and watercraft. Other rates and terms available. **Fixed-Rate Home Equity Loans: min $10,000/max $150,000. Up to 180-month term available. Call for APR and payment options. Rates may be subject to change without notice. Rates are subject to applicant’s credit score and length of term. Simplify the process of making your loan payment by signing up for payroll deduction. Budgeting the payment with your payroll takes the worry out of ensuring that the payment is received on time. In order to apply for a loan, you must be an active member in good standing.