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Rates
Vehicle Rates
All Loan Rates are before discounts and subject to credit score and LTV adjustments.
| New Vehicles | |
| Effective Date: Thursday, July 9th, 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: Thursday, July 9th, 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: Thursday, July 9th, 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: Thursday, July 9th, 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: Thursday, July 9th, 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: Thursday, July 9th, 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) | |
| Embers Credit Card | ||
| Name | Annual Percentage Rate | Term |
| Business | as low as 8.90% | No annual fee. |
| Consumer | as low as 8.90% | No annual fee. |
| 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: Thursday, July 9th, 2020 | ||
| Terms | Annual Percentage Yield | Annual Percentage Rate |
| Minimum balance of $100.00 to earn monthly dividends. If under 18 years of age, no minimum balance required to earn monthly dividends. | 0.10% | 0.10% |
| Christmas Club | ||
| Effective Date: Thursday, July 9th, 2020 | ||
| Terms | Annual Percentage Yield | Annual Percentage Rate |
| No minimum balance. Dividends paid monthly. | 0.10% | 0.10% |
| Money Maker | ||
| Effective Date: June 1st, 2020 | ||
| Dividend paid monthly | ||
| Terms | Annual Percentage Yield | Annual Percentage Rate |
| On balances from $100.00 - $2,499.99 | 0.10% | 0.10% |
| On balances from $2,500.00 - $9,999.99 | 0.10% | 0.10% |
| On balances from $10,000.00 - $24,999.99 | 0.10% | 0.10% |
| On balances from $25,000.00 - $49,999.99 | 0.20% | 0.20% |
| On balances from $50,000.00 and over | 0.25% | 0.25% |
| Share Drafts | ||
| Terms | Annual Percentage Yield | Annual Percentage Rate |
| No dividends paid on draft accounts. | ||
| IRA Accounts | ||
| Effective Date: Thursday, July 9th, 2020 | ||
| Terms | Annual Percentage Yield | Annual Percentage Rate |
| On balances from $0.01 and up. Dividends paid monthly. |
0.65% | 0.65% |
Share Certificates
Penalty for early withdrawal (To be calculated at date of redemption)
| Share Certificates | |||
| Effective Date: Thursday, July 9th, 2020 | |||
| All Share Certificates require $1,000.00 minimum deposit. | |||
| Term | Annual Percentage Yield | Annual Percentage Rate | Dividends |
| 6 month | 0.25% | 0.25% | Paid quarterly |
| 12 month | 0.40% | 0.40% | Paid quarterly |
| 24 month | 0.75% | 0.75% | Paid quarterly |
| 36 month | 1.00% | 1.00% | Paid quarterly |
| 48 month | 1.11% | 1.10% | Paid quarterly |
| 60 month | 1.21% | 1.20% | Paid quarterly |
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