Rates

Savings and Checking

Savings Rates – Effective Saturday, April 1, 2023
 
Account Type APY Minimum Deposit Minimum Balance
Prime Savings 0.00% $5 $5
Vacation Savings 0.00% $5 $5
Youth Savings  0.00% $5 $1
Special Savings 0.00% $5 $5
Checking 0.00% $50 $0
Rewards Checking 0.00% $50 $0
Union Checking 0.00% $50 $0
Business Checking 0.00% $50 $0
Escrow Account 0.00% $5 $5
Money Market 0.35% $500 $500
Holiday Club Account 0.05% $5 $100
Tax Club Account 0.05% $5 $100
IRA Share Account 0.05% $50 $100
Roth IRA Share 0.05% $50 $100
SEP IRA Share Account 0.05% $50 $100
Education IRA Share 0.05% $50 $100
 
 

CDs

Certificate Rates – Effective Friday, July 31, 2026
 
Certificate Term Current Rate APY Minimum Deposit
6 Month Share Certificate 3.50% 3.56% $500
12 Month Share Certificate 3.25% 3.30% $500
18 Month Share Certificate 2.95% 2.99% $500
 
 

Loans

Loan Rates – Effective Friday, July 31, 2026
 
Loan Type Rates as low as Terms & Information
New Auto 2024 and Newer »  3.99%   As low as 3.99% APR for 36 months
Used Auto 2016-2023 » 4.49% As low as 4.49% APR for 36 months
Used Auto 2005-2015 » 6.14% As low as 6.14% APR for 48 months
Signature Loan »  9.49% As low as 9.49% APR for 12 months
Visa Classic » 12.9% Fixed Rate, 12.90% APR
Visa Platinum » 9.49% Fixed Rate, 9.49% APR
New RV » 6.5% As low as 6.50% APR for 72 months
Used RV » 6.9% As low as 6.90% APR for 72 months
New Boat » 6.5% As low as 6.50% APR for 72 months
Used Boat » 6.9% As low as 6.90% APR for 72 months
New Motorcycle 2024 and Newer » 6.45% As low as 6.45% APR for 36 months
Used Motorcycle 2023 and Older » 7.34% As low as 7.34% APR for 36 months
New ATV or UTV 2024 and Newer » 5.99% As low as 5.99% APR for 60 months
Used ATV/UTV 2023 and Older » 6.49% As low as 6.49% APR for 60 months
Personal Line of Credit » 12.00% Variable Rate, As low as Prime +5% APR
HELOC » 7.00%    Variable Rate