All Rates

Savings & Loan Rates

Current rates are subject to change without notice. 
 

Certificate of Deposit Specials1
 Term Minimum Opening Deposit Dividend Rate Annual Percentage Yield
15 Months $ 1,000.00 1.00% 1.01%
27 Months $ 1,000.00 1.60% 1.61%
33 Months $25,000.00  1.98% 2.00%

Dream Saver Certificate1
 Term Min. Opening Deposit3  Dividend Rate  Annual Percentage Yield
1 Year
$50.00 0.70% 0.70%
2 Years
$50.00 1.10% 1.11%
3 Years
$50.00 1.20% 1.21%
4 Years
$50.00 1.30% 1.31%
5 Years
$50.00 1.74% 1.75%

Share Certificates1 / IRA Share Certificates1
 Term  Balance  Dividend Rate  Annual Percentage Yield
6 Months2
$1,000.00 & higher 0.40% 0.40%
1 Year
$1,000.00 & higher
0.70% 0.70%
2 Years
$1,000.00 & higher
1.10% 1.11%
3 Years
$1,000.00 & higher
1.20% 1.21%
4 Years
$1,000.00 & higher 1.30% 1.31%
5 Years
$1,000.00 & higher
1.74% 1.75%

1The Early Withdrawal Penalty will equal 10 days of dividends per month of the term on the amount subject to penalty.  For example, a 24 month certificate will have a 240 day penalty. Dividends will be credited to certificates monthly.  Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each month. 

 2 Not available under the IRA Share Certificate Program. 3Requires an automatic deposit of at least $20.00 per month via payroll, ACH, or recurring transfer.  

Money Market Accounts
(dividends paid monthly on daily balances)
 Balance  Dividend Rate  Annual Percentage Yield
$0.01 - $999.99 0.00% 0.00%
$1,000.00 - $2,499.99 0.20% 0.20%
$2,500.00 - $9,999.99 0.30% 0.30%
$10,000.00 - $24,999.99 0.35% 0.35%
$25,000.00 - $99,999.99 0.45% 0.45%
$100,000.00 & higher 0.50% 0.50%

IRA Savings
(dividends paid monthly on daily balances)
 Balance  Dividend Rate  Annual Percentage Yield
$0.01 - $49.99 0.00% 0.00%
$50.00 - $2,499.99 0.20% 0.20%
$2,500.00 - $9,999.99 0.30% 0.30%
$10,000.00 - $24,999.99 0.35% 0.35%
$25,000.00 - $99,999.99 0.45% 0.45%
$100,000.00 & higher 0.50% 0.50%

Ultimate High Yield Checking3
(dividends paid monthly on daily balances)
Balance Dividend Rate Annual Percentage Yield
$0.01 - $10,000.00 2.00% Blended 0.22-2.02%APY
$10,000.01 & higher 0.15% Blended 0.22-2.02%APY

3APY=Annual Percentage Yield. APY accurate as of 7/01/2017. Rates may change after account is opened. Qualifications to earn interest: 12 signature-based debit card transactions posted and settled, direct deposit of $500 or greater, e-Statements, and at least one login to It's Me 24/7 online banking each statement cycle. If qualifications are met each monthly qualification cycle: Domestic ATM fees incurred during qualification cycle will be reimbursed up to $5 and credited to account on the last day of monthly statement cycle;  balances up to $10,000 receive APY of 2.00%; and balances over $10,000 earn 0.15% interest rate on portion of balance over $10,000, resulting in 0.22% - 2.02% APY depending on the balance. If qualifications are not met, all balances earn 0.00% APY.  Transactions may take one or more banking days from the date transaction was made to post to and settle an account. ATM and PIN-based transactions do not count towards qualifying debit card transactions. "Monthly Qualification Cycle" means a period beginning the first day of the current statement cycle through the close of the current statement cycle. Limit one account per SSN. 

Daily Investment Account
(dividends paid monthly on daily balances)
 Balance  Dividend Rate  Annual Percentage Yield
$0.01 - $999.99 0.00% 0.00%
$1,000.00 - $2,499.99 0.10% 0.10%
$2,500.00 - $9,999.99 0.10% 0.10%
$10,000.00 - $24,999.00 0.10% 0.10%
$25,000.00 - $99,999.99 0.25% 0.25%
$100,000.00 & higher 0.25% 0.25%

Simply Free Checking Account
(dividends paid monthly on daily balances)
 Balance Dividend Rate  Annual Percentage Yield
$0.01 - $999.99 0.00% 0.00%
$1,000.00 - $4,999.99 0.10% 0.10%
$5,000.00 & higher 0.15% 0.15%

Savings/Christmas Club
(dividends paid monthly on daily balances)
Balance Dividend Rate Annual Percentage Yield
$0.01 - $99.99 0.00% 0.00%
$100.00 - $999.99 0.05% 0.05%
$1,000.00 - $2,499.99 0.10% 0.10%
$2,500.00 & higher 0.13% 0.13%




Money Market Accounts
(dividends paid monthly on daily balances)
$0.01 - $999.99 0.00% 0.00%
$1,000.00 - $2,499.99 0.15% 0.15%
$2,500.00 - $9,999.99 0.25% 0.25%
$10,000.00 - $24,999.99 0.30% 0.30%
$25,000.00 - $99,999.99 0.35% 0.35%
$100,000.00 & higher 0.40% 0.40%

Money Market Accounts
(dividends paid monthly on daily balances)
$0.01 - $999.99 0.00% 0.00%
$1,000.00 - $2,499.99 0.15% 0.15%
$2,500.00 - $9,999.99 0.25% 0.25%
$10,000.00 - $24,999.99 0.30% 0.30%
$25,000.00 - $99,999.99 0.35% 0.35%
$100,000.00 & higher 0.40% 0.40%

IRA Savings
(dividends paid monthly on daily balances)
$0.01 - $49.99 0.00% 0.00%
$50.00 & higher 0.20% 0.20%

IRA Savings
(dividends paid monthly on daily balances)
$0.01 - $49.99 0.00% 0.00%
$50.00 & higher 0.20% 0.20%

Daily Investment Account 
(dividends paid monthly on daily balances)
$0.01 - $999.99 0.00% 0.00%
$1,000.00 - $2,499.99 0.00% 0.00%
$2,500.00 - $9,999.99 0.00% 0.00%
$10,000.00 - $24,999.00 0.10% 0.10%
$25,000.00 - $99,999.99 0.20% 0.20%
$100,000.00 & higher 0.25% 0.25%



Current rates subject to change without notice.
Call us for the latest rates. Rates are based on your credit score.


Auto Loan Rates
Model Year Annual Percentage Rate
2013 - 2017 as low as 2.99% for up to 36 months, as low as 3.49% for up to 63 months, as low as 3.99% for up to 75 months, and as low as 4.49% for up to 84 months.
2008 - 2012 
as low as 3.49% for up to 36 months, as low as 3.99% for up to 63 months, and as low as 4.49 % for up to 75 months.
100% Financing is available on all auto loans. Terms up to 84 months. Warranties, Gap Insurance and Credit Insurance available.  Ask about our Equity Lite Auto Loan! 

BONUS OFFER: Receive a 0.25% discount on your loan rate (excluding real estate) when you open a checking account with direct deposit of $500 or more each month.


Apply for an Auto Loan Online!


Home Equity Loans & Lines of Credit
Term Loan to Value % (LTV) Fixed Rate Second Mortgage Loan to Value % (LTV) Variable Rate Home Equity Lines of Credit
5 Years 85% As low as 4.25% - -
5 Years 100% As low as 5.75% - -
7 Years
85% As low as 5.25% - -
7 Years
100% As low as 6.75% - -
10 Years 85% As low as 5.50% - -
10 Years
100% As low as 7.00% -
-
15 Years 85% As low as 6.00% 85% As low as Prime -1.5% (At Floor)
15 Years
100% As low as 7.50% 90%

Second Mortgages are a one time payout of all loan proceeds.  No closing costs or pre-payment penalties for $25,000 or more.
Lines of Credit allow you to borrow as you need up to the credit line. No Closing costs or pre-payment penalties for line amounts of $5,000 or more. $35 annual fee. *All lines of credit allow up to a 15 year re-payment term and maturity. The draw period for accessing the line of credit is 10 years.


Apply for a Home Equity Loan Online!


Personal Loans and VISA Credit Card Rates
(Apply for any of these Loans/Credit Cards here!!)


Annual Percentage Rate
Personal / Signature Loans Fixed Rate As low as 6.99%
Lifestyle Line of Credit
Variable Rate As low as 7.25%
Overdraft Protection Loan
Monthly Payments as low as $20 15.00% Fixed Rate
VISA
Mileage, Reward and Student Cards Call for Rates & Terms
Share Secured Loans Loans to be secured by CD online - Loan term must match term of CD CD Rate + 2%
Wall Street Journal Prime Rate is currently 4.25%
BONUS OFFER: Receive a 0.25% discount on your loan rate (excluding real estate) when you open a checking account with direct deposit of $500 or more each month.


Apply for a VISA Credit Card Online