Effective Date as of: 03/28/2024
Money Market Investment Account
Balance | Dividend Rate | APY* |
---|---|---|
$0 - $2,499 | 0.00% | 0.00% |
$2,500 - $9,999 | 0.80% | 0.80% |
$10,000 - $24,999 | 0.95% | 0.95% |
$25,000 + | 1.24% | 1.25% |
$2500 minimum deposit, APYs can change after account opening
Money Market Advantage Account
Balance | Dividend Rate | APY* |
---|---|---|
$0 - $14,999 | 0.00% | 0.00% |
$15,000 - $24,999 | 0.95% | 0.95% |
$25,000 - $49,999 | 1.24% | 1.25% |
$50,000 - $99,999 | 1.49% | 1.50% |
$100,000 | 2.28% | 2.30% |
$15,000 minimum deposit. $15 per month fee if balance falls below minimum, APYs can change after account opening.
Checking Account
Share Type | Minimum Balance | Dividend Rate | APY* |
---|---|---|---|
Totally Free Checking | $0 | n/a | n/a |
Savings Account
Share Type | Minimum Balance | Dividend Rate | APY* |
---|---|---|---|
Regular Savings** | $5.00 | 0.05% | 0.05% |
Mouse Club (ages 0-12) | $0 | 0.20% | 0.20% |
Teen Club (ages 13-17) | $0 | 0.20% | 0.20% |
Holiday Club | $0 | 0.35% | 0.35% |
Vacation Club | $0 | 0.20% | 0.20% |
IRA Savings | $0 | 0.50% | 0.50% |
Share Certificates and IRA Certificates
Certificate & IRA Certificate Type | Minimum Balance | Dividend Rate | APY* |
---|---|---|---|
3 Month | $500.00 | 1.69% | 1.70% |
6 Month | $500.00 | 2.28% | 2.30% |
1 Year | $500.00 | 2.48% | 2.50% |
2 Year | $500.00 | 2.62% | 2.65% |
3 Year | $500.00 | 2.72% | 2.75% |
4 Year | $500.00 | 2.77% | 2.80% |
5 year | $500.00 | 3.21% | 3.25% |
*APY denotes Annual Percentage Yield
IRA Certificate term available are 1 year or greater
Health Savings Accounts (HSA)
Daily Balance to Earn APY | Dividend Rate | APY* |
---|---|---|
< $500.00 | 0.05% | 0.05% |
$500 - $2,499.99 | 0.10% | 0.10% |
$2,500 - $4,999.99 | 0.15% | 0.15% |
$5,000 - $14,999.99 | 0.20% | 0.20% |
$15,000 and above | 0.25% | 0.25% |
Early withdrawal penalties are: 90 days for a certificate less than 1 year in maturity, 180 days for a certificate with a maturity of 1 year to 3 years, 365 days for a certificate with a maturity of 4 years or greater. Dividends earned daily and paid quarterly.
Fees could reduce earnings on an account
Effective Date as of: 03/28/2024
2018 and Newer
Term | APR* | Monthly Payment** |
---|---|---|
Up to 24 Months | As Low as 4.49% | $43.65 |
Up to 36 Months | As Low as 4.74% | $29.86 |
Up to 48 Months | As Low as 4.99% | $23.03 |
Up to 60 Months | As Low as 5.24% | $18.99 |
2020 and Newer
Term | APR* | Monthly Payment** |
---|---|---|
Up to 72 Months | As Low as 5.49% | $16.34 |
Up to 84 Months | As Low as 6.74% | $14.97 |
2015 to 2017 and Collector Cars
Term | APR* | Monthly Payment** |
---|---|---|
Up to 24 Months | As Low as 5.24% | $43.98 |
Up to 36 Months | As Low as 5.49% | $30.19 |
Up to 48 Months | As Low as 5.74% | $23.37 |
2014 and Older
Term | APR* | Monthly Payment** |
---|---|---|
Up to 24 Months | As Low as 6.99% | $44.78 |
Up to 36 Months | As Low as 7.24% | $31.00 |
RV 2018 and Newer
Term | APR* | Monthly Payment** |
---|---|---|
Up to 24 Months | As Low as 4.99% | $43.87 |
Up to 36 Months | As Low as 5.24% | $30.08 |
Up to 48 Months | As Low as 5.49% | $23.26 |
Up to 60 Months | As Low as 5.74% | $19.22 |
RV 2015 to 2017
Term | APR* | Monthly Payment** |
---|---|---|
Up to 24 Months | As Low as 5.74% | $44.20 |
Up to 36 Months | As Low as 5.99% | $30.42 |
Up to 48 Months | As Low as 6.24% | $23.60 |
RV 2014 and Older
Term | APR* | Monthly Payment** |
---|---|---|
Up to 24 Months | As Low as 7.99% | $45.24 |
Up to 36 Months | As Low as 8.24% | $31.46 |
Type | APR* | % Financed | Payment** | Term |
---|---|---|---|---|
New Mobile Homes 2024 | As Low as 17.99% | Up to 80% | $25.40 | Up to 15 yrs amort., / 5 year balloon |
Mobile Homes 2023-2014 | As Low as 17.74% | Up to 80% | $25.27 | Up to 10 yrs amort., / 5 year balloon |
Mobile Homes 2013-2006 | As Low as 17.49% | Up to 70% | $25.13 | Up to 10 yrs amort., / 5 year balloon |
New Motorhomes 2024 | As Low as 17.99% | Up to 90% | $25.40 | Up to 20 yrs amort., / 5 year balloon |
Motorhomes 2023-2010 | As Low as 18.99% | Up to 90% | $25.95 | Up to 15 yrs amort., / 5 year balloon |
5 Year ARM (Adjustable Rate Mortgage)
Loan to Value | APR* | Monthly Payment** |
---|---|---|
Up to 80% | As Low as 5.250% | $18.99 |
81 - 90 % | As Low as 7.000% | $19.80 |
91 - 100% | As Low as 8.000% | $20.28 |
5 Year Fixed
Loan to Value | APR* | Monthly Payment** |
---|---|---|
Up to 80% | As Low as 5.375% | $19.05 |
81 - 90 % | As Low as 6.375% | $19.51 |
91 - 100% | As Low as 7.375% | $19.98 |
7 Year Fixed
Loan to Value | APR* | Monthly Payment** |
---|---|---|
Up to 80% | As Low as 5.875% | $14.55 |
81 - 90 % | As Low as 6.875% | $15.04 |
91 - 100% | As Low as 7.875% | $15.53 |
10 Year Fixed
Loan to Value | APR* | Monthly Payment** |
---|---|---|
Up to 80% | As Low as 6.875% | $11.55 |
81 - 90 % | As Low as 7.875% | $12.07 |
91 - 100% | As Low as 8.875% | $12.61 |
Loan to Value | Variable Rate - APR* | Monthly Payment** |
---|---|---|
Up to 80% LTV | As Low as 8.50% | 1.25% of Balance Min. |
Up to 90 % LTV | As Low as 9.00% | 1.25% of Balance Min. |
Up to 100% LTV | As Low as 9.50% | 1.25% of Balance Min. |
Term | APR* | Monthly Payment** |
---|---|---|
Up to 24 Months | As Low as 10.50% | $46.39 |
Up to 36 Months | As Low as 12.50% | $33.47 |
Term | APR* | Monthly Payment** |
---|---|---|
Up to 12 Months | As Low as 5.99% | $86.07 |
Up to 24 Months | As Low as 6.24% | $44.44 |
Up to 36 Months | As Low as 6.49% | $30.65 |
Amount | APR* |
---|---|
Up to $5000 | As Low as 14.00% |
*APR is variable and may increase after consummation.
Amount | APR* |
---|---|
Up to $15,000 | As Low as 9.50% |
*APR is variable and may increase after consummation.
Term | APR* |
---|---|
Up to 6 Months | As Low as 11.99% |
Term |
---|
APR will equal 3% above actual APY of share savings/share certificate, but be no less than 5.00% APR. |
* APR denotes Annual Percentage Rate
** Monthly Payment is based on payment per $1000 for rate and term
All above rates are based on certain credit worthiness criteria.
Some loans greater than 5 years are subject to a demand feature.
The above rates are based on the following criteria
All Rates are Subject to Change