Rates & Fees


Deposit Rates

Regular Shares & Club Shares

Effective November 1, 2024

Details/Amount Dividend Rate Annual Percentage Yield (APY)
$5 to $24,999 0.10% 0.10%
$25,000 & Over 0.10% 0.10%

Money Market ^

Details/Amount Dividend Rate Annual Percentage Yield (APY)
$5,000 to $24,999 1.00% 1.01%
$25,000 & Over 2.00% 2.02%

IRAs

Details/Amount Dividend Rate Annual Percentage Yield (APY)
Traditional IRA, Roth IRA, & Coverdell ESA
(Education Savings Account)
0.10% 0.10%

Checking Accounts

Details/Amount Dividend Rate Annual Percentage Yield (APY)
Share Draft (Checking) 0.01% 0.01%

Share Certificate Rates

Share Certificates - $500 Minimum**

Effective November 1, 2024

Term Dividend Rate Annual Percentage Yield (APY)
6 Months 1.00% 1.01%
12 Months 1.50% 1.51%
18 Months 4.00% 4.08%
24 Months 4.00% 4.08%

Jumbo Share Certificates - $25,000 Minimum**

Term Dividend Rate Annual Percentage Yield (APY)
6 Months 1.10% 1.11%
12 Months 1.60% 1.61%
18 Months 4.25% 4.34%
24 Months 4.25% 4.34%

IRA Share Certificates - $500 Minimum**

Term Dividend Rate Annual Percentage Yield (APY)
6 Months 1.00% 1.01%
12 Months 1.50% 1.51%
18 Months 4.00% 4.08%
24 Months 4.00% 4.08%

Jumbo IRA Share Certificates - $25,000 Minimum**

Term Dividend Rate Annual Percentage Yield (APY)
6 Months 1.10% 1.11%
12 Months 1.60% 1.61%
18 Months 4.25% 4.34%
24 Months 4.25% 4.34%

^ Up to 6 withdrawals per month.
^^ Early withdrawal penalty may apply.


Loan Rates

Effective November 1, 2024

Loan Type Annual Percentage Rate As Low As
New Auto Loans 5.59%
Pre-Owned Auto Loans 6.09%
New Motorcycle Loans 6.64%
Pre-Owned Motorcycle Loans 7.14%
New RV, Motorhome, & Boat Loans 6.89%
Pre-Owned RV, Motorhome, & Boat Loans 7.64%
Share Secured Loans 2.01%
Unsecured Personal Loans 9.89%
Visa Titanium™ Credit Card 9.90%
Visa Platinum™ Credit Card 10.90%
Visa Gold™ Credit Card 12.90%
Home Equity Loans 6.65%

*Rates may vary based on term and creditworthiness, and the Board of Directors has the right to change all rates without advance notice.
For information on mortgage rates and refinancing please call 1 (877) 343-9724.
NMLS ID# 787550


Fee Schedule

Effective November 1, 2024

Fee Description Amount
Returned Deposit Item $30.00
Stop Payment (all items including ACH) $30.00
NSF Fee (item paid or returned) $30.00
Courtesy Pay Fee $30.00
Copy of Check $3.50
Counter Checks for Third Party $3.00
Outgoing Wire Fee Domestic $25.00
Research Fee $20.00
Statement Copy $1.00 (per page)
Return Statement Fee $10.00
Lost Credit/Debit Card $25.00 (first replacement is free)
Expedited Delivery $35 (additional)
ATM Foreign Card Fee $2.50
Closed Account Fee $5 (if open less than 6 months)
Escheatment Fee $100
Garnishment Fee $125
Legal Process Fee $125