Share Rates

Share Savings  Min. Balance APY  Rate
Share Savings            $25 0.20%      0.20%
Share Savings $5,000      0.25%        0.25%
Share Savings $10,000 0.30%          0.30%
Share Savings $25,000 0.35% 0.35%

Share Draft Checking  Min. Balance  APY  Rate
Share Draft Checking          $0  0.15% 0.15%

Custom Share Savings Min. Balance APY Rate
Custom/Universal Share Savings $0 0.20% 0.20%
Custom/Universal Share Savings $5,000 0.25% 0.25%
Custom/Universal Share Savings $10,000 0.30% 0.30%
Custom/Universal Share Savings $25,000 0.35% 0.35%

Holiday Club Min. Balance APY Rate
Holiday Club $0 0.20% 0.20%

Education Savings Min. Balance APY Rate
Education Sav. - 3 yr. $100 0.35% 0.35%
Education Sav. - 5 yr $100 0.35% 0.35%


Money Market  Min. Balance  APY  Rate
Money Market Less than $7,500 Same as Share Draft Checking  Same as Share Draft Checking  
Money Market* $7,500 - $49,999.99 0.35% 0.35%
Money Market* $50,000 or more 0.40% 0.40%
*Money Market Balances that fall below $7,500 will earn an interest rate equal to the current Share Draft Checking rate.

Share Certificates Min. Balance APY Rate
Share Certificate - 182 to 364 Days $500 0.35% 0.35%
Share Certificate - 12 to 23 Months $500 0.55% 0.55%
Share Certificate - 24 to 35 Months $500 0.75% 0.75%
Share Certificate - 36 to 59 Months $500 1.10% 1.10%
Share Certificate - 60 Months $500 1.46% 1.45%

Jumbo Certificates Min. Balance APY Rate
Jumbo Share Certificate - 182 to 364 Days $50,000 0.35% 0.35%
Jumbo Share Certificate - 12 to 35 Months $50,000 0.55% 0.55%
Jumbo Share Certificate - 36 to 60 Months $50,000 1.31% 1.30%

IRA: Share Savings Min. Balance APY Rate
IRA - Open Share Savings $500 0.30% 0.30%
IRA - Open Share Savings $50,000 0.35% 0.35%

IRA Certificate Min. Balance APY Rate
IRA Certificate - 12 Months $500 0.55% 0.55%
IRA Certificate - 24 Months $500 0.75% 0.75%
IRA Certificate - 48 Months $500 1.31% 1.30%

IRA Rollover Certificate Min. Balance APY Rate
IRA Rollover Certificate - 18 Months* $5,000 1.46% 1.45%
*Available for IRA proceeds transferred from another IRA custodian only (NOTE: Inherited IRAs are ineligible for deposit to the IRA Rollover Certificate.)

Loan Rates

New Cars
New Cars* (72 months or less)
 as low as  2.19%
New Cars* (84 months)
 as low as  2.69%


Used Cars
Used Cars* (72 months or less)
 as low as 2.19% 
Used Cars* (84 months)  as low as  2.69%


New Other Vehicles
New Other Vehicles* (60 months or less)
as low as   3.19%
New Other Vehicles* (72 months)
as low as   3.44%
New Other Vehicles* (84 months)
as low as   4.19%

Used Other Vehicles
Used Other Vehicles* (60 months or less)
as low as   3.19%
Used Other Vehicles* (72 months)
as low as   3.44%
Used Other Vehicles* (84 months)
as low as   4.19%


Second Chance Auto Finance
2nd Chance (Auto Refinance Loan)
as low as  18%

Visa Platinum
Visa Platinum Credit Card
as low as 
 7.90%

Visa Rewards
Visa Platinum Rewards Credit Card
as low as   9.40%

Visa Rewards
Visa Platinum Rewards Credit Card
as low as   9.40%

Mortgages
1st Mortgages
adjusted to market daily; max LTV=90%
Golden A.R.M. (1st Mortgage)
adjusted to market daily (Prime Rate minus 2%; floor rate is 4.0%; max LTV=80%)
10/1 A.R.M (1st Mortgage)
adjusted to market daily (15 year fixed 1st mtg rate w/30 year term; max LTV=80%)
80/10/10 (1st Mortgage)
adjusted to market daily (15 year fixed 1st mtg + fixed 2nd mtg; max LTV=90%)

HomeFree Home Loan
HomeFree Home Loan (external refi)
 as low as 3.875%
HomeFree Home Loan (internal refi)  as low as 4.125%


Home Equity Lines of Credit
Home Equity Line (80% LTV) *
as low as 4.25% (Prime Rate + 0%; floor rate is 3.0%)
Home Equity Line (90% LTV)*
as low as 4.50% (Prime Rate + 0.25%; floor rate is 3.25%)

Home Equity Fixed
Home Equity-Fixed(5 yr, 80% LTV)** as low as 4.00%
Home Equity-Fixed(5 yr, 90% LTV)** as low as 4.75%
Home Equity-Fixed(5 yr, 100% LTV)** as low as 5.25%
Home Equity-Fixed(10 yr, 80% LTV)** as low as 4.50%
Home Equity-Fixed(10 yr, 90% LTV)** as low as 5.25%
Home Equity-Fixed(10 yr, 100% LTV)** as low as 5.75%
Home Equity-Fixed(15 yr, 80% LTV)** as low as 5.00%
Home Equity-Fixed(15 yr, 90% LTV)** as low as 5.75%
Home Equity-Fixed(15 yr, 100% LTV)** as low as 6.25%


Jumbo Home Equity
Jumbo Home Equity-Line ($150K and greater, 80% LTV)***  as low as 5.25%
Jumbo Home Equity-Fixed ($150K and greater, 10 yr, max. 80% LTV)*** as low as 7.50%
Jumbo Home Equity-Fixed ($150K and greater, 15 yr, max. 80% LTV)*** as low as 7.75%
*** Risk Based Pricing (rates determined by credit history); Base Rate = 30 year fixed 1st mortgage rate

Home Improvement Loan
Home Improvement < $5K*
as low as  5.0% 


Overdraft Protection/Loanmaker Line of Credit
Loanmaker Line*
as low as  11.25%
* = Risk Based Pricing (rates determined by credit history)

Signature/Personal Loan
Unsecured/Signature *
as low as  7.0%

Education
Education or Computer*
as low as  5.0%

Share Secured
Share Secured
as low as   3.10%
 (Rate tied to Share Savings Rate)

Loanmaker Line
Loanmaker Line of Credit *
as low as  11.25%
 (Rate tied to Share Savings Rate)

Holiday Loan
Holiday Loan*
as low as   6.5% 
 (Available in November & December only)

Non-Rewards Credit Card
Non-Rewards Credit Card*
as low as   7.90%

Rewards Credit Card
Rewards Credit Card *
as low as   9.40%






Rates Are Effective Until Further Notice

* = Risk Based Pricing (rates determined by credit history)
*** = Risk Based Pricing (rates determined by credit history); Base Rate = 30 year fixed 1st mortgage rate
Prime Rate = 4.25% As of July 2017