Rates


Dividend Rates

AS OF july, 2019

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 1.25% 1.25%
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 0.30% 0.30%
Monthly Dividend Accounts - $20,000 and over 0.50% 0.50%
Share Draft/Checking Accounts Avg. Daily Balance of $400 0.35% 0.35%

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 1.30%
One Year Certificate
Fixed rate, monthly dividends, Dividends do not compound, may receive monthly dividend check or have dividend posted to savings or checking, Does not automatically renew
365 Days $2,500.00 1.75%
2 Year Certificate
Fixed rate, monthly dividends, Dividends do not compound, may receive monthly dividend check or have dividend posted to savings or checking, Does not automatically renew
730 Days $2,500.00 1.95%

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


Loan Rates

As of April 15, 2019

Auto Loans

Year Term A+ Paper A Paper B Paper C Paper
750+ 700-749 650-699 600-649
Current 2 Yrs 48 3.93% 4.93% 5.93% 7.93%
2019-2018 60 4.43% 5.43% 6.43% 8.43%
Under 15k miles 72 5.18% 6.18% 7.18% 9.18%
75 5.43% 6.43% 7.43% 9.43%
3-4 Years 48 4.43% 5.43% 6.43% 8.93%
2017-2016 60 5.18% 6.18% 7.18% 9.68%
Under 60k miles 72 5.68% 6.68% 7.68% 10.18%
Maximum LTV
****ADD 0.75% TO INCREASE LTV****
Term 115% 110% 105% 100%
5-6 Years 36 5.18% 6.18% 7.18% 10.18%
2015-2014 48 5.68% 6.68% 7.68% 10.68%
Under 80k miles 60 6.18% 7.18% 8.18% 11.18%
Maximum LTV
****ADD 0.75% TO INCREASE LTV****
Term 110% 100% 95% 90%
7 Years + 36 8.18% 9.18% 10.18% 13.18%
2013 + 48 8.68% 9.68% 10.68% 13.68%
Under 150k miles
Maximum LTV
****ADD 0.75% TO INCREASE LTV****
Term 100% 90% 85% 80%


ATV/Motorcycle/Personal Watercraft < $20K

Year Term A+ Paper A Paper B Paper C Paper D Paper E Paper
Current 2 Yrs 60 6.00% 6.75% 7.75% 10.25% 13.25% 16.25%
2019-2018 72 6.25% 7.00% 8.25% 10.75% 14.25% 17.25%
3-4 Years 48 6.50% 7.25% 8.25% 10.75% 13.75% 16.50%
2017-2016 54 7.00% 7.75% 8.75% 11.50% 14.50% 17.50%
5+ Years Up to 48 mths max 8.00% 8.50% 10.00% 12.50% 15.25% 18.00%
2015+ Up to 48 mths max
Maximum LTV Term 120% 115% 110% 100% 90% 90%


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

Year Term A+ Paper A Paper B Paper C Paper D Paper E Paper
Current 2 Yrs 60 5.50% 6.00% 6.75% 8.00% 12.50% 18.00%
2019-2018 72 5.75% 7.50% 8.75% 11.25% 14.75% 18.00%
$30K+ 120 8.25% 8.75% 10.25% 12.25% 16.25% 18.00%
3-4 Years Up to 54 mths 6.00% 6.50% 7.50% 8.50% 13.50% 18.00%
2017-2016 Up to 54 mths 6.00% 6.50% 7.50% 8.50% 13.50% 18.00%
5+ Years Up to 48 mths max 8.25% 8.75% 10.25% 12.75% 15.50% 18.00%
2015+ Up to 48 mths max
Maximum LTV Term 120% 115% 110% 100% 90% 90%


Farm Equipment/Other Goods

Year Term A+ Paper A Paper B Paper C Paper D Paper E Paper
Current 3 Yrs 60 6.50% 7.50% 8.75% 10.25% 15.25% 18.00%
2019-2017 75 7.25% 8.25% 9.25% 12.25% 15.75% 18.00%
$30K+ 120 8.50% 9.25% 10.50% 14.25% 16.25% 18.00%
4 Years+ Up to 48 mths max 7.25% 7.75% 9.00% 9.75% 14.25% 18.00%
2016 + Up to 48 mths max
Maximum LTV Term 120% 115% 110% 100% 90% 90%

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 8.63% 9.63% 11.25% 14.25% 18.00% 18.00%
24 9.38% 10.63% 11.00% 15.00% 18.00% 18.00%
36 9.88% 10.88% 12.50% 15.50% 18.00% 18.00%
48 10.38% 11.00% 13.00% 16.00% 18.00% 18.00%

$10,000.00 maximum loan amount
700+ credit score - 3x gross monthly income
650 and 699 credit score - 2x gross monthly income
649 or below - 1x gross monthly income


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%)