DEPOSIT AND LOAN RATES

We offer a variety of solutions with competitive rates for both your deposit and lending needs.

OPEN ACCOUNT

*Annual Percentage Yield (APY), accurate as of 4/6/18, is for a 24-month Certificate of Deposit (CD) or Individual Retirement Account (IRA) with a minimum opening deposit of $1,000 new money.  A minimum balance of $0.01 is required to obtain 2.11% APY. A one-time rate adjustment is permitted at any time during the original 24-month term.  The interest rate and annual percentage yield for your account will be in effect until the bump-up option is exercised.  The bump-up interest rate will be equal to the regular 24-month CD rate at the time of your request. No new money may be added to the certificate at the time the bump-up option is exercised. Rate subject to change. Limited time offer. Account will automatically renew at maturity for 24-months, beginning on the maturity date. At maturity, the interest rate will be the same as the regular 24-month Certificate of Deposit and the 24-Month CD Special features will cease. Fees may reduce earnings on the account. Substantial penalty for early withdrawal. Offer is subject to withdrawal at any time. 

CERTIFICATE OF DEPOSIT / INDIVIDUAL RETIREMENT ACCOUNT / COVERDELL SAVINGS ACCOUNT

Annual Percentage Yields (APY) are effective as of December 9, 2016.
Balance Range: $500 to $99,999.99
(Minimum opening deposits: $100 for a 1-Year IRA • $25 for a CESA)

TERM INTEREST RATE ANNUAL PERCENTAGE YIELD (APY)
182 Days .25% .25%
1 Year .35% .35%
2 Years .50% .50%
3 Years 1.00% 1.00%
4 Years 1.35% 1.35%
5 Years 1.65% 1.66%

A penalty may be imposed for early withdrawals on Certificate of Deposit accounts and IRA accounts. Rates are subject to change without notice.

GOOD NEIGHBORS CLUB CHECKING

Annual Percentage Yields (APY) are effective as of January 1, 2015.
To obtain the annual percentage yield disclosed, you must maintain the following balances:

BALANCE INTEREST RATE ANNUAL PERCENTAGE YIELD (APY)
$500.00 – $4,999.99 .10% .10%
$5,000.00 – $49,999.99 .15% .15%
$50,000.00 and Over .20% .20%
BUSINESS ADVANTAGE

Annual Percentage Yields (APY) are effective as of January 1, 2015.
To obtain the annual percentage yield disclosed, you must maintain the following balances:

BALANCE INTEREST RATE ANNUAL PERCENTAGE YIELD (APY)
$2,500.00 – $9,999.99 .05% .05%
$10,000.00 – $49,999.99 .10% .10%
$50,000.00 and Over .15% .15%
MONEY MARKET DEMAND ACCOUNT

Annual Percentage Yields (APY) are effective as of January 1, 2015.
(Minimum to open account is $2,500.00)
To obtain the annual percentage yield disclosed, you must maintain the following balances:

BALANCE INTEREST RATE ANNUAL PERCENTAGE YIELD (APY)
$0.01 – $2,499.99 .05% .05%
$2,500.00 – $24,999.99 .20% .20%
$25,000.00 – $49,999.99 .25% .25%
$50,000.00 – $99,999.99 .30% .30%
$100,000.00 and Over .40% .40%
MARKET SHARE INVESTMENT ACCOUNT

Annual Percentage Yields (APY) are effective as of January 1, 2015.
(Minimum to open account is $25,000.00)
To obtain the annual percentage yield disclosed, you must maintain the following balances:

BALANCE INTEREST RATE ANNUAL PERCENTAGE YIELD (APY)
$0.01 – $2,499.99 .05% .05%
$2,500.00 – $24,999.99 .25% .25%
$25,000.00 – $99,999.99 .35% .35%
$100,000.00 and OVER .45% .45%
STATEMENT SAVINGS

Annual Percentage Yields (APY) are effective as of January 1, 2015.
To obtain the annual percentage yield disclosed, you must maintain the following balances:

BALANCE INTEREST RATE ANNUAL PERCENTAGE YIELD (APY)
$0.01 – $24,999.99 .15% .15%
$25,000.00 and Over .20% .20%
CLUB ACCOUNTS

Annual Percentage Yields (APY) are effective as of September 23, 2015.
To obtain the annual percentage yield disclosed, you must maintain the following balances:

BALANCE INTEREST RATE ANNUAL PERCENTAGE YIELD (APY)
$0.01 and Over .15% .15%

Please contact us for further information about applicable fees and terms. Fees may reduce the earnings on these accounts. Rate may change after account is opened.

Rates are effective as of January 9, 2017.

Unsecured Personal Loan

Example shown based on minimum loan amount

AMOUNT TERM INTEREST RATE ANNUAL PERCENTAGE RATE PAYMENT / $1,000.00
$2,500 24 Months 12.25% 14.181% $48.36
New Auto & Recreation Vehicle

Based on a $10,000 Loan (2017 or previously untitled 2016)

TERM INTEREST RATE ANNUAL PERCENTAGE RATE PAYMENT / $1,000.00
36 Months 4.50% 4.825% $29.93
48 Months 4.75% 4.9993% $23.06
60 Months 5.00% 5.2029% $18.99
72 Months 5.25% 5.4219% $16.33
USED AUTO & RECREATIONAL VEHICLE

Based on a $10,000 Loan

TERM INTEREST RATE ANNUAL PERCENTAGE RATE PAYMENT / $1,000.00
36 Months 5.50% 5.827% $30.40
48 Months 5.75% 6.0011% $23.53
60 Months 6.00% 6.2049% $19.46

Credit subject to approval. A loan fee may be required. Rates and terms are subject to change without notice. Automatic payment option available. Consult a tax advisor regarding deductibility of interest.

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