Current Rates
Loan Rates
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Credit Tiers
| Credit Score | Tier |
| 680+ | Tier I |
| 640-679 | Tier II |
| 600-639 | Tier III |
| 550-599 | Tier IV |
| 549 or less | Tier V |
Effective 03/30/2018
All Loans: Rates subject to change daily. Rates are subject to credit score.
Percentages below are listed as APR - Annual Percentage Rate.
| Credit Tier | Up to 36 Mo. | 48 Mo. | 60 Mo. | 72 Mo. | 84 Mo. |
|---|---|---|---|---|---|
| Tier I | 3.50% | 3.50% | 3.50% | 3.75% | 3.95% |
| Tier II | 4.00% | 4.00% | 4.00% | 4.25% | 4.45% |
| Tier III | 5.00% | 5.00% | 5.00% | 5.25% | 5.45% |
| Tier IV | 6.50% | 6.50% | 6.50% | 6.75% | |
| Tier V | 8.00% | 8.00% | 8.00% | 8.25% |
Example of a typical new vehicle loan: 60 monthly payments of $272.88 based on a $15,000 loan, at 3.50% which equals to $18.19 per thousand. Your payment will vary due to amount, term and interest rate. Other rates and terms available. Membership eligibility required, including $25 minimum share account balance. Fixed interest rates based on credit score.
Auto & Titled Motorcycle Loan Terms
| 2019-2018 | 84 Mos. | Minimum Loan Amt. $25,000 (Tier I,II & III only) |
| 2019-2017 | 72 Mos. | ** |
| 2019-2016 | 72 Mos. | *** |
| 2015-2013 | 60 Mos. | |
| 2012-2010 | 48 Mos. | |
| 2009-2007 | 36 Mos. | |
| 2006-2004 | 24 Mos. | Add 3.00% to auto loan rate. Add 1.00% for high mileage |
**Term extension available only if Average or Low miles. Minimum loan amount $25,000. (Tier I,II,III only)
**Commercial Vehicles do not qualify for term extensions beyond 72 months.
***Term Extension beyond 72 months for model year 2016 not available.
Term extensions may be considered with a .50% loan rate increase for every 6 months added to the original term rate.
| Credit Tier | Up to 36 Mo. |
48 Mo. | 60 Mo. | 72 Mo. | 84 Mo. | 120 Mo. | 144 Mo. | 180 Mo. |
|---|---|---|---|---|---|---|---|---|
| Tier I | 3.50% | 3.50% | 3.50% | 3.75% | 3.95% | 4.75% | 5.25% | 5.50% |
| Tier II | 4.00% | 4.00% | 4.00% | 4.25% | 4.45% | 5.25% | 5.75% | 6.00% |
| Tier III | 5.00% | 5.00% | 5.00% | 5.25% | 5.45% | 6.25% | 6.75% | 7.00% |
| Tier IV | 6.50% | 6.50% | 6.50% | 6.75% | ||||
| Tier V | 8.00% | 8.00% | 8.00% | 8.25% |
Rates effective 10/11/2019
Example of a typical new vehicle loan: 60 monthly payments of $272.88 based on a $15,000 loan, at 3.50% which equals to $18.19 per thousand. Your payment will vary due to amount, term and interest rate. Other rates and terms available. Membership eligibility required, including $25 minimum share account balance. Fixed interest rates based on credit score.
Term extensions may be considered with a .50% loan rate increase for every 6 months added to the original term rate not to exceed 3.00%
Non-Titled Motorcycle, Snowmobile, Jet Ski ATV, and Utility Trailer Loan Terms
| 2019-2017 | 72 Mo |
| 2016-2015 | 60 Mo |
| 2014-2013 | 48 Mo |
| 2012-2011 | 36 Mo |
| 2010-2008 | 24 Mo |
| 2007-2006 | 24 Mo (add 3% to rate) |
| 2019-2018 | 180 Mo (Minimum Loan Amount $35,000 Tier I & II Only) |
| 2019-2018 | 144 Mo (Minimum Loan Amount $30,000 Tier I & II Only) |
| 2019-2016 | 120 Mo (Minimum Loan Amount $25,000 Tier I & II Only) |
| 2015-2014 | 84 Mo |
| 2013-2012 | 72 Mo |
| 2011-2010 | 60 Mo |
| 2009-2008 | 48 Mo |
| 2007-2006 | 36 Mo (add 3% to rate) |
Tractor Loan Guidelines (personal use only)
| Loan Amount | Maximum Term |
| $500 to $2,999 | 24 Mo |
| $3,000 to $5,999 | 36 Mo |
| $6,000 to $9,999 | 48 Mo |
| $10,000 to $14,999 | 60 Mo |
| $15,000 to $25,000 | 72 Mo |
| Credit Tier | 12 Mo. | 24 Mo. | 36 Mo. | 48 Mo. | 60 Mo. |
|---|---|---|---|---|---|
| Tier I | 9.50% | 10.00% | 10.25% | 10.50% | 11.50% |
| Tier II | 10.50% | 11.00% | 11.25% | 11.50% | 12.50% |
| Tier III | 11.50% | 12.00% | 12.25% | 12.50% | 13.50% |
| Tier IV | 12.50% | 13.00% | 13.25% | 13.50% | 14.50% |
| Tier V | 13.50% | 14.00% | 14.25% | 14.50% | 15.50% |
Effective 01/17/2019
Example of a typical Signature/ Personal loan: 36 monthly payments of $485.06 based on a $15,000 loan, at 10.15% which equals to $32.34 per thousand. Your payment will vary due to amount, term and interest rate. Other rates and terms available. Membership eligibility required, including $25 minimum share account balance. Fixed interest rates based on credit score.
VISA Credit Cards:
13.90% APR*
Balance Transfer: 6.95% APR* for the life of the balance transferred.
*Annual Percentage Rate
| Credit Tier | Rate |
|---|---|
| Tier I | 7.75% |
| Tier II & III | 7.75% |
Rate based on Wall Street Prime 4.75% + 3.00% = 7.75%. WSP as of 10/31/2019 is 4.75%.
The Periodic Rate is 0.02123%
| Loan Type | Rate | Term | Max Loan Amount |
|---|---|---|---|
| Home Fuel | 3.40% | 12 Mo. | $3,000 |
| Energy Efficiency | 3.90% | 24 MO | $5,000 |
| Energy Efficiency | 4.40% | 36 MO | $5,000 |
Example of a typical Home Fuel loan: 12 monthly payments of $254.63 based on a $3,000 loan, at 3.40% which equals to $84.88 per thousand. Your payment will vary due to amount, term and interest rate. Other rates and terms available. Membership eligibility required, including $25 minimum share account balance. Fixed interest rates based on credit score.
| Credit Tier | Rate |
|---|---|
| Tier I | 3.65% |
| Tier II & III | 5.15% |
| Tier IV & V | 7.15% |
Effective 03/30/2018
Maximum loan amount $2,000 with a maximum term of 12 months
Example of a typical technology loan: 12 monthly payments of $254.63 based on a $1,000 loan, at 3.65% which equals to $84.99 per thousand. Your payment will vary due to amount, term and interest rate. Other rates and terms available. Membership eligibility required, including $25 minimum share account balance. Fixed interest rates based on credit score.
| Loan Type | Rate | Term | Max Loan Amount |
|---|---|---|---|
| Credit Builder Loan is available to members with no credit score or credit scores 599 or lower. | 5.15% | 6 -12 Mo. | $500-$1,000 |
Mortgage Rates:
First Mortgages
Effective 07/19/2019
Rates are subject to change at any time. Rates will be updated on website weekly. Check back often.
80% Loan-to-Value
* Annual Percentage Rate. APR based on loan amount of $100,000;0 points; 10 days prepaid interest
| Terms | Rates | APR* |
| 1 Year - 5 Years | 2.990% | 3.031% |
| 5+ Years - 10 Years | 2.990% | 3.011% |
| 10+ Years - 15 Years | 3.250% | 3.266% |
| 20 Years | 3.500% | 3.513% |
| 30 Years | 3.750% | 3.760% |
Example of a Mortgage loan without Annual Taxes or Insurance: 180 monthly payments of $745.97 based on a $100,000 loan, at 4.125% which equals to $7.46 per thousand. Your payment will vary due to amount, term and interest rate. Other rates and terms available. Membership eligibility required, including $25 minimum share account balance. Fixed interest rates based on credit score.
Second Mortgages
Effective 07/19/2019
Rates are subject to change daily.
80% Loan-to-Value
* Annual Percentage Rate
| Terms | Rates | APR* |
| 1 year - 5 years | 4.250% | 4.258% |
| 5+ years - 10 years | 4.500% | 4.504% |
| 10+ years - 15 years | 4.750% | 4.753% |
85% Loan-to-Value
*Annual Percentage Rate
| Terms | Rates | APR* |
| 1 year - 5 years | 4.500% | 4.508% |
| 5+ years - 10 years | 4.750% | 4.754% |
| 10+ years - 15 years | 5.000% | 5.003% |
Construction Loans
Effective 07/19/2019
Rates are subject to change daily.
80% Loan-to-Value
* Annual Percentage Rate
| Terms | Rates | APR* |
| 15 Yr | 3.750% | 4.032% |
| 20 Yr | 4.000% | 4.225% |
| 30 Yr | 4.250% | 4.418% |
$500 Construction fee for mobile homes, $1000 Construction fee for other homes
Example of a Construction loan without Annual Taxes or Insurance: 180 monthly payments of $764.99 based on a $100,000 loan, at 4.50% which equals to $7.65 per thousand. Your payment will vary due to amount, term and interest rate. Other rates and terms available. Membership eligibility required, including $25 minimum share account balance. Fixed interest rates based on credit score.
Home Equity Line of Credit
Effective 11/01/2019
Our Home Equity Line of Credit is a variable rate of Prime Minus .25% for the life of the loan. The rate is adjusted monthly based on Prime as shown in the Wall Street Journal. The prime rate is 4.75% APR* as of 10/31/19. Hazard Insurance is required. Flood insurance is required where necessary. Please consult your tax adviser for deductibility of interest and charges. We will lend up to 85% of the appraised value of your home, minus first mortgage. $5,000 minimum for line of credit. Maximum APR* is 18.00%.
* Annual Percentage Rate
Savings Rates
Truth-in-Savings Account Disclosure
Share Accounts
Effective 01/10/2017
| Account Type | Dividend Rate | APY* | Min. Opening Deposit** |
| Shares | 0.10% | 0.10% | $25 |
| Insured Shares | 0.00% | 0.00% | $25 |
| Club Accounts | 0.10% | 0.10% | $0 |
| Health Savings Accounts | 0.25% | 0.25% | $0 |
| Monty Moose Accounts |
0.10% | 0.10% | $25 |
- *Annual Percentage Yield
- **Minimum Opening balance / Minimum required balance to earn APY
- Rates subject to change after account opening at any time without notice.
Money Market Accounts
Effective 10/01/2019
| Account Type |
Dividend Rate | APY* | Min. Opening Deposit** |
| < $10,000 | 0.90% | 0.90% | $2,500 |
| $10,000+ | 1.00% | 1.00% | $2,500 |
| $25,000+ | 1.10% | 1.11% | $2,500 |
| $50,000+ | 1.15% | 1.16% | $2,500 |
- *Annual Percentage Yield
- **Minimum Opening balance / Minimum required balance to earn APY
- Rates subject to change after account opening at any time without notice.
Share Certificates of Deposit
Effective 10/01/2019
| Account Type | Dividend Rate | APY* | Min. Opening Deposit** |
| 6 Month Certificate |
1.50% | 1.51% | $500 |
| 1 Year Certificate | 1.85% | 1.87% | $500 |
| 2 Year Certificate | 1.95% | 1.97% | $500 |
| 3 Year Certificate | 2.10% | 2.12% | $500 |
| 4 Year Certificate | 2.20% | 2.22% | $500 |
| 5 Year Certificate | 2.30% | 2.32% | $500 |
* Annual Percentage Yield
**Minimum Opening balance / Minimum Required Balance to earn APY
We may impose a substantial penalty if you withdraw any of the principal before the maturity date. For Certificates of less than 24 months duration the penalty is an amount equal to 90 days Dividends, whether earned or not. For Certificates of 24 months or more duration, the penalty is an amount equal to 180 days of interest whether earned or not.
Certificates renew automatically with a 7-day grace period during which withdrawals may be made without penalty.
Individual Retirement Accounts (IRA)
Effective 10/01/2019
| Account Type |
Dividend Rate |
APY* | Min. Opening Deposit** |
| IRA 1 Year Certificate |
1.85% | 1.87% | $1,000 |
| IRA 2 Year Certificate |
1.95% | 1.97% | $1,000 |
| IRA 3 Year Certificate |
2.10% | 2.12% | $1,000 |
| IRA 4 Year Certificate |
2.20% | 2.22% | $1,000 |
| IRA 5 Year Certificate |
2.30% | 2.32% | $1,000 |
| IRA Variable |
0.90% | 0.90% | $25 |
| IRA Variable |
1.00% | 1.00% | $10,000+ |
| IRA Variable |
1.10% | 1.11% | $25,000+ |
| IRA Variable |
1.15% | 1.16% | $50,000+ |
*Annual Percentage Yield
**Minimum Opening balance / Minimum required balance to earn APY
- Variable rates subject to change after account opening at any time without notice.
- Withdrawals prior to age 59 1/2 may be penalized 10% by the IRS.
Your savings federally insured to at least $250,000 by the National Credit Union Administration (NCUA) and backed by the full faith and credit of the United States Government.
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