Rates
Loans
Auto Loan Rates
Effective Date: Tuesday, October 28th, 2025
All loan rates shown below are "As Low As." Individual rates are based on credit performance.
| Product | APR | Term |
|---|---|---|
| AUTO - 2018 & NEWER | ||
| Apply Now | 5.99% | Up to 48 Months |
| 5.99% | 60 Months | |
| 6.49% | 72 Months | |
| 6.74% | 84 Months | |
| AUT0 - 2017 & OLDER | ||
| Apply Now | 6.24% | Up to 48 Months |
| 6.49% | 60 Months | |
| 6.74% | 72 Months | |
| Classic Cars | 8.49% | Up to 60 Months |
| Includes: autos, vans, and trucks. Will finance up to 95% of the retail value according to the NADA. Risk based pricing applies. | ||
Loan Rates
Effective Date: Tuesday, October 28th, 2025
| Product | APR | Term |
|---|---|---|
| NEW MOTORCYCLES, BOATS & REC VEHICLES | ||
| New | 6.49% | Up To 72 Months |
| 6.49% | 73-120 Months | |
| 7.24% | 121-180 Months | |
| USED MOTORCYCLES, BOATS & REC VEHICLES | ||
| Used | 6.99% | Up To 72 Months |
| 7.74% | 73-120 Months | |
| 7.74% | 121-180 Months | |
| Available rates and term depend on purchase amount, year of vehicle, and other factors. | ||
| Recreational vehicles = Motor homes, travel trailers, quads, snowmobiles, etc. | ||
| All rates shown are "As Low As". Individual rates and terms may vary based on credit review and other factors. | ||
| Apply Now | ||
Personal Loans
Effective Date: Tuesday, October 28th, 2025
| Product | APR | Term |
|---|---|---|
| Share Secured | 5.99% | Max. 48 months |
| Signature Loans | 12.99% | Max. 48 months |
| All rates shown are "As Low As". Individual rates and terms may vary based on credit review and other factors. | ||
Home Equity Loan Rates
Effective Date: Tuesday, October 28th, 2025
| Term | Rate | Payoff Period |
|---|---|---|
| 10 Year Fixed | 6.99% | 120 Months |
| 15 Year Fixed | 7.49% | 180 Months |
| 20 year Fixed | 8.24% | 240 Months |
| HELOC | Prime% Variable | 120-180 Months |
| *Based on 80% of home value. | ||
| All rates shown are "As Low As". Individual rates may vary based on credit review and other factors. | ||
Savings & Checking
Savings & Checking
Effective Date: Tuesday, October 28th, 2025
| Product | APY | Minimum to Earn Interest |
|---|---|---|
| Savings | 0.10% | 200.00 |
| FreePlus Checking | 3.00% | Up to $10,000 |
| Power Checking | 0.15% | $2,000 - $9,999 |
| 0.20% | $10,000 - $24,999 | |
| 0.25% | $25,000 - $49,999 | |
| 0.40% | OVER $50,000 | |
| Money Market | 0.30% | $2000 - $9,999 |
| 0.40% | $10,000 - $24,999 | |
| 0.45% | $25,000 - $49,999 | |
| 0.60% | $50,000 - $99,999 | |
| 0.75% | $100,000 - $249,999 | |
| 1.00% | $250,000 + | |
| Christmas Club | 4.00% | 5.00 |
| IRA | 0.50% | $500.00 |
| Health Savings Account | 0.50% | $1.01 - $1000.00 |
| 0.75% | $1000.01 - $5000.00 | |
| 1.00% | $5000.01 - $25,000.00 | |
| 1.00% | OVER $25,000.01 |
Certificate of Deposit
Certificates of Deposit
Effective Date: Tuesday, October 28th, 2025
| Term | APY | Minimum Balance |
|---|---|---|
| Rates also apply to IRA and HSA Certificates of Deposit. | ||
| 6 Month | 4.00% | $500.00 |
| 9 Month | 4.00% | $500.00 |
| 12 Month | 3.70% | $500.00 |
| 18 Month | 3.70% | $500.00 |
| 24 Month | 3.55% | $500.00 |
| 36 Month | 3.50% | $500.00 |
| 48 Month | 3.50% | $500.00 |
| 60 Month | 3.50% | $500.00 |
| Let it Grow CD | 3.50% | $25.00 |
| Youth CD Special | 4.25% | $50.00 |