Home Purchase and Refinance Loans

Product Rate - APR* as low as Term as high as Apply Online Calculators
Conventional Fixed-Rate Mortgage Varies 30 Years Apply Now calculators
FHA (Federal Housing Administration) Varies 30 Years Apply Now calculators
VA (Veterans Administration) Varies 30 Years Apply Now calculators
Construction Varies 30 Years Apply Now calculators

 *Must qualify for membership.  Rates based on term and subject to change.  Contact us for details.

 

 

Vehicles, Secured, Personal, Student Choice, Visa Cards

Loan Type APR* as low as Term as high as Calculate
New Car / Boat 2.99% 72 mo.
Share Secured Loan Variable 60 mo.
Personal Loan - Up to $5,000 8.99% 60 mo.
Student Choice Loans Variable Varies
VISA Platinum Credit Card - Up to $10,000 9.90% n/a

*Annual Percentage Rate - Rates and Terms are subject to change without notification. Rates include all possible discounts. Rates vary by loan term.


Mortgage / Home Equity

Loan Type APR* as low as Term as high as Calculate
Home Equity Loan 2.99% 180 mo.
Prime Rate
Home Equity Line of Credit
1.99% Var. Revolving
Mortgage Loans Varies 30 Years

* Annual Percentage Rate - Rates and Terms are subject to change without notification. Rates include all possible discounts. Rates vary by loan term.


Savings Rates

Type APR* APY* Calculate
Share Drafts 0.0% 0.0%  
Shares and IRA Shares 0.25% 0.25%
Vacation/Christmas Club shares 0.25% 0.25%
Projected Money Market 0.35% 0.35%
6 month certificate share 0.40% 0.40%
7 month Ready Access Certificate** 0.45% 0.45%
12 month certificate 0.50% 0.50%
18 month certificate 0.55% 0.55%
24 month certificate 0.60% 0.60%
36 month certificate 0.75% 0.75%
48 month certificate 0.85% 0.85%
60 month certificate 1.00% 1.00%

Minimum balance requirements to earn APY are as follows:
6, 12, 18, 24, 36, 48 & 60 month certificates- $500; 7-month certificate- $5,000; Projected Money Market- $2,500; Shares, IRA Shares, Club Shares- $100.
For ready access accounts, the amount of the early withdrawal penalty is 7 days' dividends. For all other accounts, the early withdrawal penalty is 180 days' dividends.
*APR = Annual Percentage Rate, APY=Annual Percentage Yield. Rates are subject to change without notice.


Service & Account Fees

Account Research $ 20.00 / hour
Garnishment $ 50.00 plus legal fees
Money Order $1.00 / each
Wire Transfer (Outgoing) $10.00 / transfer
Mortgage Payoff Letter $20.00
Inactive Account Fee $5.00 / month
NSF/Overdraft $20.00 / item
Overdraft Privilege $20.00 / item
Overdraft Protection Transfer $5.00 / item
Returned Item $10.00 / item
Stop Payment $20.00 / request
Card Replacement $10.00 / card
Expedite Card Replacement $50.00 / card



Safe Deposit Box Fees 

3" x 5" Box $15.00 / year
5" x 5" Box $20.00 / year
3" x 10" Box $25.00 / year
5" x 10" Box $35.00 / year
10" x 10" Box $45.00 / year
Drilling of Boxes Varies