Rates

Dividend Rates	Rate**	APY**
Shares
Daily Average Balance	.10%	.10%
IRA Share Account	0.50%	0.50%
Christmas Club
Annual Balance $5 or more	.25%	.25%
Certificates of Deposit
A minimum balance of $500.00 is required to open a certificate account. Early withdrawal penalties: = 90 days interest.
6 months	0.45%	0..45%
12 months	0.55%	0.55%
24 months	0.75%	0.75%
36 months	1.00%	1.00%
48 months	1.50%	1.50%
IRA Certificates of Deposit
A minimum balance of $500.00 is required to open a certificate account. IRA certificate rates are the same as CD rates shown above. Early withdrawal penalties: = 90 days interest. ***We have different rates for larger deposits. Please call the office for for rates.

*APY = Annual Percentage Yield

**APR = Annual Percentage Rate
All rates may change at any time and the rates posted may not be current please call us for current rate information.

Loan Rates	APR*

Home Equity Loans - closed ended	As low as 5.50%
Signature Loans (different terms for amount being financed)	As low as 11.00%
VISA fixed rate	As low as 10.25%
Certificate Secured (fixed to length of certificate term)	3.00% more than the certificate rate being paid.
Share Secured	3.00% more than the share rate being paid.
Auto, truck, van	As low as 3.75% (new ) As low as 4.00% (used)
Motorcycles	As low as 6.50% (new or used)
Campers or Boats	As low as 6.00%
For all auto, truck, van, motorcycle, boat or rv loans:	Terms are based on the amount being financed

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