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Loans | Savings | Certificates
Rates Effective 10/1/2025
| LOANS |
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| FAIR ISAAC CREDIT SCORE TIERS |
Tier-1 750-Above |
Tier-2 749-700 |
Tier-3 699-650 |
Tier-4 649-600 |
Tier-5 599-Lower
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| NEW OR USED VEHICLE LOANS (2023-2025) |
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36 months or less
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4.99
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6.99
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7.99 |
9.99 |
11.99
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Calculator |
| 48 months |
4.99
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6.99
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7.99 |
9.99 |
11.99
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Calculator |
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60 months
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4.99
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6.99
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7.99 |
9.99 |
12.99
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Calculator |
| 72 months (minimum $20,000) |
5.99
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7.99
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8.99 |
10.99 |
13.99
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Calculator |
| 84 months (minimum $30,000) |
6.99
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8.99
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9.99
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N/A
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N/A
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Calculator |
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| USED VEHICLE LOANS (2022 - Older) |
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36 months or less
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5.99
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7.99
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8.99 |
10.99 |
13.99
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Calculator |
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48 months
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5.99
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7.99
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8.99 |
10.99 |
13.99
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Calculator
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| 60 months |
6.99
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8.99
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9.99
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11.99 |
14.99
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Calculator |
| 72 months (minimum $20,000) |
7.99
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9.99
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10.99 |
12.99 |
15.00
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Calculator |
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VISA Credit Card (no annual fee)
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9.90
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9.90
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9.90 |
9.90 |
9.90
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Calculator
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| Fully-Secured Loan (dollar for dollar) |
5.00
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5.00
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5.00 |
5.00 |
5.00
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Calculator
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| Personal/Signature/Unsecured Loan - Up to 36 months |
9.90
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11.00
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12.00
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14.00
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15.00
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Calculator
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| SAVINGS |
MINIMUM BALANCE
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DIVIDEND RATE
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APY*
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TERM
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| Savings - $20.00 to $4,999.99 |
$20.00 |
0.03 |
0.03 |
n/a |
| Savings - $5,000.00 and up |
$5,000 |
0.05 |
0.05 |
n/a |
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| IRA's (Share Accumulation) |
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0.75 |
0.75 |
n/a |
| CERTIFICATES |
MINIMUM BALANCE
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DIVIDEND RATE
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APY*
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TERM
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| Six (6) months - $1,000 Minimum Deposit |
$1,000 |
0.10 |
0.10 |
6 |
| Twelve (12) months - $1,000 Minimum Deposit |
$1,000 |
0.15 |
0.15 |
12 |
| Eighteen (18) months - $1,000 Minimum Deposit |
$1,000 |
0.20 |
0.20
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18 |
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| Seven (7) months - $5,000 Minimum Deposit |
$5,000 |
0.25 |
0.25 |
7 |
| Twenty (20) months - $5,000 Minimum Deposit |
$5,000 |
0.30 |
0.30 |
20 |
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All rates subject to change.
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*APY = Annual Percentage Yield
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