Rates

Vehicle Rates

All Loan Rates are before discounts and subject to credit score and LTV adjustments.

New Vehicles
Effective Date: Wednesday, January 29th, 2020
New Untitled Vehicles Only
Term	Annual Percentage Rate
36 months	2.99%
48 months	3.49%
60 months	3.75%
72 months	4.25%
84 months	5.45%

Used Vehicles
Effective Date: Wednesday, January 29th, 2020
Term	Annual Percentage Rate
36 months	2.99%
48 months	3.49%
60 months	3.75%
72 months	4.25%
* less than 20,000 miles. Restrictions may apply. Ask any loan officer for details.

Recreational Vehicles
Effective Date: Wednesday, January 29th, 2020
Includes boats, snowmobiles, dirt bikes, 4 wheelers etc.
Term	Annual Percentage Rate
24 months	3.00%
36 months	3.00%
48 months	4.00%
60 months	4.25%
72 months	5.25%
Restrictions may apply. Ask any loan officer for details.

Personal Loans

All Loan Rates are before discounts and subject to credit score.

Signature Loan
Effective Date: Wednesday, January 29th, 2020
Borrow $500 - $5,000
Term	Annual Percentage Rate
12 months	8.45%
24 months	9.45%
36 months	10.45%
48 months	11.45%

Signature Line of Credit
Effective Date: Wednesday, January 29th, 2020
Term	Annual Percentage Rate
Revolving	7.00% for the first 12 months.
Minimum interest rate after introductory rate expires is 8.50%

Share Secured
Effective Date: Wednesday, January 29th, 2020
Term	Annual Percentage Rate
36 months	6.25%
Savings & Money Maker
CD Secured	CD Rate + 2.00%
Over CD Rate (Maturity date of loan must coincide with maturity date of CD)

Overdraft Loan
Annual Percentage Rate	Term
15.00%	Must have a checking account established. $50.00 min payment due on the 28th of each month. Transfers will be made in $50.00 increments to cover the overdraft amount.

Saving Rates

Shares & Vacation Club
Effective Date: Wednesday, January 29th, 2020
Terms	Annual Percentage Yield	Annual Percentage Rate
Minimum balance of $100.00 to earn quarterly dividends. If under 18 years of age, no minimum balance required to earn quarterly dividends.	0.20%	0.20%

Christmas Club
Effective Date: Wednesday, January 29th, 2020
Terms	Annual Percentage Yield	Annual Percentage Rate
No minimum balance. Dividends paid quarterly.	0.20%	0.20%

Money Maker
Effective Date: Wednesday, January 29th, 2020
Dividend paid monthly
Terms	Annual Percentage Yield	Annual Percentage Rate
On balances from $100.00 - $2,499.99	0.20%	0.20%
On balances from $2,500.00 - $9,999.99	0.30%	0.30%
On balances from $10,000.00 - $24,999.99	0.35%	0.35%
On balances from $25,000.00 - $49,999.99	0.40%	0.40%
On balances from $50,000.00 and over	0.50%	0.50%

Share Drafts
Terms	Annual Percentage Yield	Annual Percentage Rate
No dividends paid on draft accounts.

IRA Accounts
Effective Date: Wednesday, January 29th, 2020
Terms	Annual Percentage Yield	Annual Percentage Rate
On balances from $0.01 and up. Dividends paid quarterly.	0.75%	0.75%

Share Certificates

Penalty for early withdrawal (To be calculated at date of redemption)

Share Certificates
Effective Date: Wednesday, January 29th, 2020
All Share Certificates require $1,000.00 minimum deposit.
Term	Annual Percentage Yield	Annual Percentage Rate	Dividends
6 month	0.75%	0.75%	Paid quarterly
12 month	1.00%	1.00%	Paid quarterly
24 month	1.51%	1.50%	Paid quarterly
36 month	1.76%	1.75%	Paid quarterly
48 month	2.02%	2.00%	Paid quarterly
60 month	2.02%	2.00%	Paid quarterly

Certificate Special
Effective Date: Wednesday, January 29th, 2020
Terms	Annual Percentage Yield	Annual Percentage Rate	Dividends
7 month	1.50%	1.49%	Paid quarterly