Rates

LOANS

LOANS (APR* is based on credit score)	RATE RANGE	MAX TERM
New Vehicles Effective 03/20/2024	5.64% - 11.24%	84 mo.
Used Vehicles Effective 03/20/2024	6.30% - 16.30%	72 mo.
Visa Credit Card Effective 09/01/2020	12.00%	N/A.
1st Mortgage Effective 03/20/2024	6.75%	20 years
1st Mortgage Effective 03/20/2024	6.35%	15 years
1st Mortgage Effective 03/20/2024	6.00%	10 years
2nd Mortgage Effective 03/20/2024	8.325%	15 years
Furniture, Appliances, Farm Equipment, Computers or Other Equipment (Any collateral that is eligible for UCC-1 filing) Effective 6/01/2017	5.25% - 14.00%	60 mo.
Signature/Co-Signer Effective 7/01/2011	10.25% - 18.00%	60 mo.
New Recreational (Boats, Motorcycles, ATVs, Campers, Jet Skis, UTVs) Effective 03/20/2024	5.70% - 14.25 %	120¹ mo.
Used Recreational (Boats, Motorcycles, ATVs, Campers, Jet Skis, UTVs) Effective 03/20/2024	7.00% - 15.50%	84 mo.

*$1000.00 must be added to loans to refinance.

SAVINGS	DIVIDEND RATE	APY**¹	TERM
Regular Shares (Minimum to open acct. $25.00) Effective date 12/31/2016	.30%	.30%	n/a
Special Shares (Minimum to open acct. $2,500.00) Effective date 12/31/2016	.40%	.40%	n/a
IRAs (Minimum to open acct. $50.00) Effective date 03/01/2012	.35%	.35%	n/a
IRAs (Minimum balance $5,000.00) Effective date 03/01/2014	.50%	.50%	n/a
Christmas Club Effective date 12/31/2016	.15%	.15%	n/a

SHARE CERTIFICATES	DIVIDEND RATE	APY**¹	TERM
6 Month Share Certificate ($1,000-$49,999)	2.00%	2.00%	6 mo.
12 Month Share Certificate ($1,000-$49,999)	2.25%	2.25%	12 mo.
18 Month Share Certificate ($1,000-$49,999)	2.35%	2.35%	18 mo.
24 Month Share Certificate ($1,000-$49,999)	2.50%	2.50%	24 mo.
6 Month Share Certificate ($100,000+)	2.75%	2.75%	6 mo.
12 Month Share Certificate ($100,000+)	3.00%	3.00%	12 mo.
18 Month Share Certificate ($100,000+)	3.25%	3.25%	18 mo.
24 Month Share Certificate ($100,000+)	3.50%	3.50%	24 mo.

¹ = Any Term over 84 months (7 years) requires a minumum of $50,000.