Personal Rates
Deposit Rates
Savings Accounts
Effective Date: Sunday, June 4th, 2023
Subject to change. Dividends are calculated daily and credited monthly.
| Type of Account | Annual Percentage Yield (APY) | Dividend Rate | Minimum to Earn Interest |
|---|---|---|---|
| Prime Savings* | 0.05% | 0.05% | $50 |
| Special Savings | 0.05% | 0.05% | $50 |
| Christmas Club | 0.05% | 0.05% | $50 |
| Vacation Club | 0.05% | 0.05% | $50 |
| *$5 minimum opening deposit required | |||
Health Savings Account
Effective Date: Sunday, June 4th, 2023
Subject to change. Dividends are calculated daily and credited monthly.
| Type of Account | APY* | Dividend Rate | Minimum to Earn Interest |
|---|---|---|---|
| HSA Savings | 0.05% | 0.05% | $50 |
| HSA Checking Tiered Rates | 0.25% | 0.25% | $1-$4,999.99 |
| 1.00% | 1.00% | $5,000-$9,999.99 | |
| 1.11% | 1.10% | $10,000+ |
Money Market Accounts
Effective Date: Sunday, June 4th, 2023
Subject to change. Dividends are calculated daily and credited monthly.
| Type of Account | Annual Percentage Yield (APY) | Dividend Rate | Minimum to Earn Interest |
|---|---|---|---|
| Tiered Rates | 0.05% | 0.05% | $2,500 - $9,999.99 |
| 0.15% | 0.15% | $10,000 - $24,999.99 | |
| 0.20% | 0.20% | $25,000 - $49,999.00 | |
| 0.30% | 0.30% | $50,000 and up |
IRA Share
Effective Date: Sunday, June 4th, 2023
Subject to change. Dividends are calculated daily and credited monthly.
| Type of Account | Annual Percentage Yield (APY) | Dividend Rate | Minimum to Earn Interest |
|---|---|---|---|
| Coverdell ESA | 0.50% | 0.50% | $1 |
| Traditional | 0.50% | 0.50% | $1 |
| Roth | 0.50% | 0.50% | $1 |
| *$5 minimum opening deposit required | |||
Certificate of Deposit Rates
Effective Date: Sunday, June 4th, 2023
Subject to change. Dividends are calculated daily and credited monthly.
| Certificates | Annual Percentage Yield (APY) | Dividend Rate (Premier & Access Premier) | Annual Percentage Yield (APY) | Dividend Rate (Student, Basic, Access & Classic) | Minimum Balance |
|---|---|---|---|
| 3 Month Certificate | 0.80% | 0.80% | 0.55% | 0.55% | $500 |
| 6 Month Certificate | 0.85% | 0.85% | 0.60% | 0.60% | $500 |
| 9 Month Certificate | 4.00% | 3.92% | 3.75% | 3.68% | $500 |
| 12 Month Certificate | 0.95% | 0.95% | 0.70% | 0.70% | $500 |
| 18 Month Certificate | 4.25% | 4.16% | 4.00% | 3.92% | $500 |
| 24 Month Certificate | 4.25% | 4.16% | 4.00% | 3.92% | $500 |
| 30 Month Certificate | 4.25% | 4.16% | 4.00% | 3.92% | $500 |
| 36 Month Certificate | 1.30% | 1.29% | 1.05% | 1.04% | $500 |
| 48 Month Certificate | 1.40% | 1.39% | 1.15% | 1.14% | $500 |
| 60 Month Certificate | 1.50% | 1.49% | 1.25% | 1.24% | $500 |
Traditional, Roth & Coverdell Certificates
Effective Date: Sunday, June 4th, 2023
Subject to change. Dividends are calculated daily and credited monthly.
| Traditional, Roth & Coverdell Certificates | Annual Percentage Yield (APY) | Dividend Rate (Premier & Access Premier) | Annual Percentage Yield (APY) | Dividend Rate (Student, Basic, Access & Classic) | Minimum Balance |
|---|---|---|---|
| 12 Month IRA Certificate | 0.95% | 0.95% | 0.70% | 0.70% | $500 |
| 18 Month IRA Certificate | 4.25% | 4.16% | 4.00% | 3.92% | $500 |
| 24 Month IRA Certificate | 4.25% | 4.16% | 4.00% | 3.92% | $500 |
| 30 Month IRA Certificate | 4.25% | 4.16% | 4.00% | 3.92% | $500 |
| 36 Month IRA Certificate | 1.30% | 1.29% | 1.05% | 1.04% | $500 |
| 48 Month IRA Certificate | 1.40% | 1.39% | 1.15% | 1.14% | $500 |
| 60 Month IRA Certificate | 1.50% | 1.49% | 1.25% | 1.24% | $500 |
Checking Accounts
Effective Date: Sunday, June 4th, 2023
Subject to change. Dividends are calculated daily and credited monthly.
| Type of Account | Annual Percentage Yield (APY) | Dividend Rate | Minimum to Earn Interest |
|---|---|---|---|
| Interest Checking | 0.10% | 0.10% | $500 |
| HSA Checking Tiered Rates | 0.25% | 0.25% | $0-$4,999.99 |
| 1.00% | 1.00% | $5,000-$9,999.99 | |
| 1.11% | 1.10% | $10,000+ |
Credit Card Rates
Credit Cards
Effective Date: Sunday, June 4th, 2023
| Name | Annual Percentage Rate (APR) |
|---|---|
| Visa Platinum | As low as 12.74% (Prime + 4.74)* |
| Visa Signature | As low as 14.90% (Prime + 6.90)* |
| *Rates are based on credit score. Your rate may be higher. | |
Loan Rates
Personal Loans
Effective Date: Sunday, June 4th, 2023
Subject to change.
| intentionally empty table header | Consumer Secured Loans (Autos, Boats, RVs, Motorcycles, Tractors, etc.) | Signature Loans | Share/Certificate Secured Loan | Credit Builder Plus Loan | Open End Line of Credit |
|---|---|---|---|---|---|
| Amount | $5,000 minimum | $1,500 minimum | $1,000 minimum | $1,000 - $5,000 | $500 - $8,000 |
| Annual Percentage Rate (APR) | As low as 5.49%* | As low as 10.99%* | 2% over share or certificate rate | 6.25% | 11.90% |
| *Rates are based on credit qualifications, including credit score, minimum amount financed and term, and includes Premier/Access Premier relationship discount of 0.25% APR. | |||||
Home Loan Rates
Home Equity Rates
Effective Date: Sunday, June 4th, 2023
Subject to change. All rates shown as Annual Percentage Rate (APR).
| intentionally empty table header | Home Equity Loan | Home Equity Visa Line of Credit* |
|---|---|---|
| Amount | $5,000 minimum | $5,000 minimum |
| Annual Percentage Rate (APR) | As low as 6.49% APR | 5.99% for first 12 months then Prime rate + 0% variable rate with 5.99% floor |
| Early Closure Fee | Fee charged equal to closing fees if closed in the first two years | |
| *Interest rate is adjusted annually. | ||
Mortgage Rates (Fixed)
Effective Date: Sunday, June 4th, 2023
Subject to change. Rates are calculated based on loan purpose, loan-to-value, loan term, loan amount and credit score. See Assumptions and APR section for the pricing scenario for these rates.
| Fixed Rate Loans Conforming and Government | Rate | Annual Percentage Rate (APR) |
|---|---|---|
| 30-Year Fixed | 6.875% | 7.071% |
| 20-Year Fixed | 6.500% | 6.752% |
| 15-Year Fixed | 6.250% | 6.563% |
| 30-Year USDA | 7.250% | 8.043% |
| 30-Year FHA | 6.750% | 7.832% |
| 30-Year VA | 6.750% | 7.099% |
| 1-Time Construction (Other) | 6.875% | 7.071% |
| Home Ready | 7.250% | 7.450% |
| Lot loans - please contact our morgtage department for rates |
Mortgage Rates (Adjustable)
Effective Date: Sunday, June 4th, 2023
Subject to change. Rates are calculated based on loan purpose, loan-to-value, loan term, loan amount and credit score. See Assumptions and APR section for the pricing scenario for these rates.
| Adjustable-Rate Mortgages | Mortgage Rate | Annual Percentage Rate (APR) |
|---|---|---|
| 1/1 ARM | 6.250% | 6.439% |
| 3/1 ARM | 5.375% | 5.554% |
| 5/1 ARM | 5.250% | 5.427% |
| 7/1 ARM | 5.500% | 5.680% |
| 10/1 ARM | 5.750% | 5.933% |
Mortgage Rate Specials
Effective Date: Sunday, June 4th, 2023
Subject to change. Rates are calculated based on loan purpose, loan-to-value, loan term, loan amount and credit score. See Assumptions and APR section for the pricing scenario for these rates.
| Name | Mortgage Rate | Annual Percentage Rate (APR) |
|---|---|---|
| 30-Year Fixed | 6.875% | 7.071% |
Business Rates
Deposit Rates
Savings
Effective Date: Sunday, June 4th, 2023
Subject to change. Dividends are calculated daily and credited monthly.
| Type of Account | Annual Percentage Yield (APY) | Dividend Rate | Minimum to Earn Interest |
|---|---|---|---|
| Business Savings* | 0.05% | 0.05% | $50 |
| Business Money Market Accounts** Tiered Rates | |||
| 0.05% | 0.05% | $1 | |
| 0.15% | 0.15% | $10,000 | |
| 0.25% | 0.25% | $25,000 | |
| 0.35% | 0.35% | $50,000 | |
| 0.50% | 0.50% | $100,000 | |
| *$5 minimum opening deposit required | |||
| **$100 minimum opening deposit | |||
Checking Rates
Effective Date: Sunday, June 4th, 2023
Subject to change. Dividends are calculated daily and credited monthly.
| Type of Account | Annual Percentage Yield (APY) | Dividend Rate | Minimum to Earn Interest |
|---|---|---|---|
| Business Checking* | 0.15% | 0.15% | $10,000 |
| Non-Profit Checking* Tiered Rates | |||
| 0.15% | 0.15% | $5,000 | |
| 0.25% | 0.25% | $25,000 | |
| 0.35% | 0.35% | $50,000 | |
| 0.50% | 0.50% | $100,000 | |
| *$100 minimum opening deposit | |||