Dividend Rates Rates APY
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 0.30% 0.30%
12 months 0.45% 0.45%
24 months 0.65% 0.65%
36 months .95% .95%
48 months 1.20% 1.20%
IRA Certificates of Deposit
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 Annual Percentage Rate
Home Equity Loans – Closed End As low as 6.00% APR
Signature Loans (different terms for amount being financed) As low as 11.00% APR
VISA Credit Card As low as 10.25% APR
Certificate Secured (fixed to length of Certificate term) 3.00% APR more than the Certificate rate being paid.
Share Secured 3.00% APR more than the Share rate being paid.
Automobile As low as 3.00% APR(New )As low as 3.50% APR (Used)
Motorcycles As low as 6.00% APR (New or Used)
Recreational (RV’s, boats, etc.) As low as 6.00% APR
Auto, Motorcycle, and Recreational Terms are based on the amount being financed