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Rates / Fees

Rates

Prime Rate 5.00%

Integrated Loan Calculator

Fee Schedule

 

 Loans

Term

APR*
as low as

 New Auto (Less than 10,000 miles)  Up to 72 months 2.99%
 73-84 months  3.99%
 Used Auto
  Year Model 2016-2018 61-72 months 3.99%
  Year Model 2016-2018 up to 60 months 2.99%
  Year Model 2014-2015 max term 60 months 2.99%
Year Model 2012-2013 max term 54 months 2.99%
  2011 & Older- Max LTV < 90%  up to 42 months  4.99%
 Savings Secured Loan (Savings/CD Rate + 3.0%) 24 Months 3.10%
 Personal/Signature Loan max term 60 months 12.95% 
 Personal Line of Credit   12.95%
 Overdraft Protection Loan   18.00%
 Home Equity Fixed 80% or less LTV - First position Deed of Trust 12 - 180 Months 4.25%
 Home Equity Fixed 80% or less LTV- Second position Deed of Trust 12 - 180 Months 5.75%
 Home Equity Line of Credit 80% or less LTV (Prime + 0.75 - Minimum rate of 4.00%) 180 Months  5.50%

*APR = Annual Percentage Rate
Interest Rate to be determined by Equifax Beacon Score on date of loan closing.

 Savings

Term

Rate

APY*

 Share Savings   0.10% 0.10%
 Share Checking (ADB $500)   0.05% 0.05%
 Money Market   0.15% 0.15%
 Money Market (Balance over $25,000)   0.15% 0.15%
 IRA   0.45% 0.45%
 Roth IRA, Coverdell and Health Savings Account   0.45% 0.45%
 Christmas Club 12 Months 0.35% 0.35%
 Vacation Club 12 Months 0.35% 0.35%

*APY = Annual Percentage Yield

 Certificates

Term

Rate

APY*

 Certificate or IRA 6 Months 0.30% 0.30%
 Certificate or IRA 12 Months 0.50% 0.50%
 Certificate or IRA 18 Months 0.60% 0.60%
 Certificate or IRA 24 Months 0.70% 0.70%
 Certificate or IRA 36 Months 0.80% 0.80%

$100,000 or more = additional 0.10% on all CD's

*APY = Annual Percentage Yield