Rates

Dividend Rates

As of December 2025

  
  Account
    APR (Annual Percentage Rate)
    APY (Annual Percentage Yield)*
  
  Regular Savings Account - $0.01 to $9,999.99
    0.25%
    0.25%
  
  Regular Savings Account - $10,000.00 and over
    0.35%
    0.35%
  
  IRA Accounts
    1.20%
    1.20%
  
  Christmas Club Accounts
    1.00% first $5,000.00 - 0.25% above
    1.00% first $5,000.00 - 0.25% above
  
  Vacation Club Accounts
    1.00% first $5,000.00 - 0.25% above
    1.00% first $5,000.00 - 0.25% above
  
  Monthly Dividend Accounts - $0.01 to $19,999.99
    0.70%
    0.70%
  
  Monthly Dividend Accounts > $20,000 
    0.75%
    0.75%
     
  Monthly Dividend Accounts > $50,000 
    0.80%
    0.80%
  
  Monthly Dividend Accounts > $100,000 
    0.90%
    0.90%
   
  Share Draft/Checking Accounts < $2,500
    0.15%
    0.15%
  
  Share Draft/Checking Accounts > $2,500
    0.30%
    0.30%

Share Certificates

  
  Type of Certificate
    Term**
    Minimum Deposit
    Annual Percentage Yield*
  
  6-Month Certificate

Fixed rate for the term of the Certificate, Certificate does not automatically renew.
    6 Months
    $1,000.00
    3.50%
  
  One Year Certificate

Fixed rate, quarterly dividends. Dividends may compound, may receive quarterly dividend check or have dividends posted to savings or checking. Does not automatically renew.
    365 Days
    $2,500.00
    3.60%
  
  2 Year Certificate

Fixed rate, quarterly dividends. Dividends may compound, may receive quarterly dividend check or have dividends posted to savings or checking. Does not automatically renew.
    730 Days
    $2,500.00
    2.75%

*Fees or other conditions could reduce earnings on the account.
**A penalty may be imposed for early withdrawal.

Loan Rates

Auto Loans

  
    
  
  Year
    Term
    A+ Paper
    A Paper
    B Paper
    C Paper
  

  
    
    750+
    700-749
    650-699
    600-649
  

  Current 3 Yrs
    48
    4.20%
    4.95%
    6.00%
    7.70%
  

  2026-2024
    60
    4.70%
    5.45%
    6.50%
    8.20%
  

  Under 30k miles
    72
    5.10%
    5.95%
    7.25%
    8.95%
  

  
    84
    5.70%
    6.45%
    7.50%
    9.20%
  

  4-5 Years
    48
    4.95%
    5.70%
    6.50%
    9.50%
  

  2023-2021
    60
    5.70%
    5.95%
    7.00%
    10.25%
  

  Under 60k miles
    72
    6.00%
    6.95%
    8.00%
    11.00%
  

  6-7 Years
    36
    6.20%
    6.95%
    8.25%
    10.70%
  

  2020-2019
    48
    6.95%
    7.70%
    9.20%
    11.20%
  

  Under 80k miles
    60
    7.45%
    8.20%
    9.70%
    11.95%
  

  8 Years +
    36
    8.45%
    9.95%
    11.95%
    13.95%
  

  2018 +
    48
    8.95%
    10.45%
    12.70%
    14.70%
  

  Under 150k miles
    
    
    
    
    
  


  

ATV/Motorcycle/Personal Watercraft < $20K

  
    
  
  Year
    Term
    A+ Paper
    A Paper
    B Paper
    C Paper
    D Paper
    E Paper
  

  Current 3 Years
    60
    7.10%
    7.35%
    9.35%
    11.50%
    14.00%
    17.00%>
  

  2026-2024
    72
    7.45%
    7.85%
    9.85%
    12.25%
    14.50%
    17.50%
  

  5+ Years
    48
    10.50%
    11.25%
    13.50%
    15.50%
    18.00%
    18.00%
  

  2022+
    48
    10.50%
    11.25%
    13.50%
    15.50%
    18.00%
    18.00%
  

  

Boats/RV/Motorhomes (ATV/Motorcycle/Personal Watercraft > $20K)

  
    
  
  Year
    Term
    A+ Paper
    A Paper
    B Paper
    C Paper
    D Paper
    E Paper
  

  Current 3 Years
    60
    6.50%
    7.25%
    8.50%
    10.50%
    14.00%
    17.75%
  

  2026-2024
    72
    7.25%
    8.50%
    9.25%
    12.25%
    16.75%
    17.75%
  

  $30K+
    120
    10.00%
    10.50%
    12.00%
    13.50%
    17.50%
    17.75%
  

  4+ Years
    Up to 60 mths
    11.00%
    11.50%
    12.50%
    15.55%
    17.75%
    17.75%
  

  

  

  

  Maximum LTV
    Term
    100%
    95%
    90%
    80%
    75%
    75%
  

  

Farm Equipment/Other Goods

  
    
  
  Year
    Term
    A+ Paper
    A Paper
    B Paper
    C Paper
    D Paper
    E Paper
  

  Current 5 Yrs
    60
    8.25%
    9.25%
    10.50%
    12.00%
    17.50%
    17.50%
  

  2026-2021
    75
    9.00%
    10.00%
    12.25%
    13.75%
    17.50%
    17.50%
  

  $30K+
    120
    10.25%
    11.25%
    12.75%
    14.25%
    17.50%
    17.50%
  

  6 Years+
    Up to 48 mths max
    11.75%
    12.75%
    14.00%
    15.50%
    17.50%
    17.50%
  

  2020 +
    Up to 48 mths max
    
    
    
    
    
    
  

  Maximum LTV
    Term
    95%
    80%
    75%
    70%
    65%
    65%
  

  

Farm Equipment: Tractors and or attachments, trailer for a tractor, horse trailers, zero turn and riding lawn mowers, backhoe, and dump truck.
Other Goods: Any odd collateral that does not fall within Farm Equipment.

Unsecured

  
    
  
  Term
    A+ Paper
    A Paper
    B Paper
    C Paper
    D Paper
    E Paper
  

  12
    7.50%
    8.50%
    9.25%
    13.75%
    17.75%
    17.75%
  

  24
    8.00%
    9.00%
    9.75%
    14.25%
    17.75%
    17.75%
  

  36
    8.75%
    9.50%
    11.25%
    15.00%
    17.75%
    17.75%
  

  48
    9.50%
    10.50%
    11.75%
    16.00%
    17.75%
    17.75%
  

  

Share Secured

Up to 60 mths max: 3% Above Current Share Rate

  
  BUY-DOWNS
    MAXIMUM BUY-DOWNS
  
  1. Credit Life or Credit Disability or Debt Protection (-0.25%)
    CONSUMER: 0.50%
  
  2. Direct deposit of net pay w/ automatic transfer(-0.25%)
    COMMERCIAL: 0.25%
  
  3. Purchace of MRC and or GAP insurance (-0.25%)
    
  4. Less than 80% LTV(-0.25%)
    
  5. Less than 50% LTV (-0.50%)

Online Banking