Rates and fees are subject to change without notice. Please choose a rate from the list below.
All rates effective as of 11/12/08
- Certificates of Deposit
- Premier Money Market
- Statement Savings
- Advantage Checking
- Senior Checking
- Individual Retirement Account
- IRA Savings
- Auto/Recreational Vehicle Loans
- Home Equity Loans
- Home Equity Line of Credit
Certificates of Deposit
Minimum opening deposit $1,000. Penalties may be imposed for early withdrawal.
| Term | Interest Rate | APY* | |
| 3 Month | 1.83% | 1.85% | |
| 6 Month | 2.28% | 2.30% | |
| 9 Month | 2.42% | 2.45% | |
| 12 Month | 2.62% | 2.65% | |
| 13 Month | 2.81% | 2.85% | |
| 18 Month | 2.91% | 2.95% | |
| 24 Month | 2.96% | 3.00% | |
| 36 Month | 3.11% | 3.15% | |
| 48 Month | 3.20% | 3.25% | |
| 60 Month | 3.45% | 3.50% | |
| *APY - annual percentage yield A penalty may be imposed for early withdrawal. |
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Premier Money Market
Minimum deposit of $1,000 to open
| Amount | APY* | ||
| $1,000 - $9,999.99 | 0.75% | ||
| $10,000 - $49,999.99 | 0.95% | ||
| $50,000 - $99,999.99 | 1.35% | ||
| $100,000 - $249,999.99 | 1.75% | ||
| $250,000 - $499,999.99 | 1.95% | ||
| $500,000 and over | 2.00% | ||
| *APY - annual percentage yield Rates may change on this account after account is opened. Fees could reduce earnings. |
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Statement Savings
Minimum deposit of $100 to open
| Amount | APY* | ||
| $100 - $999.99 | 0.50% | ||
| $1,000 - $4,999.99 | 0.65% | ||
| $5,000 and Over | 1.15% | ||
| *APY - annual percentage yield Rates may change on this account after account is opened. Fees could reduce earnings. |
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Advantage Checking
Minimum deposit of $500 to open
| Amount | APY* | ||
| $500 | 0.35% | ||
| *APY - annual percentage yield Rates may change on this account after account is opened. Fees could reduce earnings. |
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Senior Checking
Minimum deposit of $500 to open
| Amount | APY* | ||
| $500 | 0.50% | ||
| *APY - annual percentage yield Rates may change on this account after account is opened. Fees could reduce earnings. |
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Individual Retirement Account
All of our certificates of deposit are available for individual retirement accounts.
Minimum opening deposit $1,000. Penalties may be imposed for early withdrawal.
| Term | Interest Rate | APY* |
| 3 Month | 1.83% | 1.85% |
| 6 Month | 2.28% | 2.30% |
| 9 Month | 2.42% | 2.45% |
| 12 Month | 2.62% | 2.65% |
| 13 Month | 2.81% | 2.85% |
| 18 Month | 2.91% | 2.95% |
| 18 Month Add-To (Variable) | 2.91% | 2.95% |
| 24 Month | 2.96% | 3.00% |
| 36 Month | 3.11% | 3.15% |
| 48 Month | 3.20% | 3.25% |
| 60 Month | 3.45% | 3.50% |
| *APY - Annual Percentage Yield | ||
IRA Savings
Minimum deposit of $500 to open
| Amount | APY* | ||
| $500 - $999.99 | 0.50% | ||
| $1,000 - $4,999.99 | 0.65% | ||
| $5,000 and Over | 1.15% | ||
| *APY - annual percentage yield Rates may change on this account after account is opened. Fees could reduce earnings. |
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Auto/Recreational Vehicle Loans
| APR | |
| New (2009 & 2008) | 5.49 - 6.99% |
| Used | 6.09 - 8.09% |
Annual Percentage Rate (APR) subject to change without notice. Down payment may be required. Loan subject to credit approval.
*A 2007 vechicle is considered new if it has less than 15,000 miles.
Home Equity Loans
| Loan to Value | 3 Year | 5 Year | 10 Year |
| 65% or less | 5.35% | 5.50% | 6.00% |
| 66-75% | 5.50% | 6.00% | 6.50% |
| 76-90% | 6.00% | 6.50% | 7.00% |
Annual Percentage Rate (APR) subject to change without notice. Loan subject to credit approval.
Home Equity Line of Credit
| Loan to Value | 59 Month | 119 Month |
| 65% or less | 5.00% | 5.50% |
| 66-75% | 5.50% | 6.00% |
| 76-90% | 6.00% | 6.50% |
The Annual Percentage Rate (APR) is variable (19% maximum). Closing costs may be as much as $757 including processing fee, appraisal, recording fee, title search and flood certification fee. Interest only or 2% minimum monthly payments may result in a balloon payment at loan maturity. Prepayment penalty may apply. Property insurance required. Loan subject to credit approval. Consult a tax advisor about the tax deductibility of interest.
