Rates

Fee Schedule | Calculators | Loan Application

SHARE (SAVINGS) RATES

Type of AccountAPR*APY*
SHARE SAVINGS, YOUTH SAVINGS & SUB-SHARES DIVIDEND RATE
(Balances equal to or in excess of $100.00)
0.25%0.25%
IRA & COVERDELL ESA SHARES
(Balances equal to or in excess of $100.00)
0.65%0.65%
MONEY MARKET SHARE Account Tier Rates
(Minimum of $2,500.00 Deposit)
$2,500.00 to $10,000.000.35%0.35%
$10,000.01 to $25,000.000.35%0.35%
$25,000.01 to $50,000.000.35%0.35%
$50,000.01 TO $100,000.000.40%0.40%
OVER $100,000.000.50%0.50%

SHARE DRAFT (CHECKING)

Average Daily BalanceAPRAPY
0 to $999.990.00%0.00%
$1,000.00 to $9,999.990.10%0.10%
$10,000.00 to $49,999.990.20%0.20%
$50,000.00 and greater0.30%0.30%

SHARE CERTIFICATES OF DEPOSIT

Minimum of $1,000 Deposit
Type of AccountAPR*APY*
6-MONTH CERTIFICATE
$1000.00 to $9,999.990.35%0.35%
$10,000.00 to $24,999.990.35%0.35%
$25,000.00 to $49,999.990.40%0.40%
$50,000.00 to $99,999.990.40%0.40%
$100,000.00 and over0.40%0.40%
12-MONTH CERTIFICATE
$1000.00 to $9,999.990.35%0.35%
$10,000.00 to $24,999.990.35%0.35%
$25,000.00 to $49,999.990.40%0.40%
$50,000.00 to $99,999.990.40%0.40%
$100,000.00 and over0.40%0.40%
24-MONTH CERTIFICATE
$1000.00 to $9,999.990.70%0.70%
$10,000.00 to $24,999.990.70%0.70%
$25,000.00 to $49,999.990.70%0.70%
$50,000.00 to $99,999.990.75%0.75%
$100,000.00 and over0.80%0.80%
36-MONTH CERTIFICATE
$1000.00 to $9,999.991.15%1.15%
$10,000.00 to $24,999.991.15%1.15%
$25,000.00 to $49,999.991.15%1.15%
$50,000.00 to $99,999.991.15%1.15%
$100,000.00 and over1.25%1.25%
48-MONTH CERTIFICATE
$1000.00 to $9,999.991.30%1.30%
$10,000.00 to $24,999.991.35%1.35%
$25,000.00 to $49,999.991.35%1.35%
$50,000.00 to $99,999.991.35%1.35%
$100,000.00 and over1.40%1.40%
60-MONTH CERTIFICATE
$1000.00 to $9,999.991.55%1.55%
$10,000.00 to $24,999.991.60%1.60%
$25,000.00 to $49,999.991.60%1.60%
$50,000.00 to $99,999.991.60%1.60%
$100,000.00 and over1.65%1.65%

IRA & ESA CERTIFICATES OF DEPOSIT

Minimum of $1,000 Deposit
Type of AccountAPR*APY*
12-MONTH CERTIFICATE
$1000.00 to $9,999.990.35%0.35%
$10,000.00 to $24,999.990.40%0.40%
$25,000.00 to $49,999.990.40%0.40%
$50,000.00 to $99,999.990.40%0.40%
$100,000.00 and over0.40%0.40%
24-MONTH CERTIFICATE
$1000.00 to $9,999.990.70%0.70%
$10,000.00 to $24,999.990.70%0.70%
$25,000.00 to $49,999.990.70%0.70%
$50,000.00 to $99,999.990.75%0.75%
$100,000.00 and over0.80%0.80%
36-MONTH CERTIFICATE
$1000.00 to $9,999.991.15%1.15%
$10,000.00 to $24,999.991.15%1.15%
$25,000.00 to $49,999.991.15%1.15%
$50,000.00 to $99,999.991.15%1.15%
$100,000.00 and over1.25%1.25%
48-MONTH CERTIFICATE
$1000.00 to $9,999.991.30%1.30%
$10,000.00 to $24,999.991.35%1.35%
$25,000.00 to $49,999.991.35%1.35%
$50,000.00 to $99,999.991.35%1.35%
$100,000.00 and over1.40%1.40%
60-MONTH CERTIFICATE
$1000.00 to $9,999.991.55%1.55%
$10,000.00 to $24,999.991.60%1.60%
$25,000.00 to $49,999.991.60%1.60%
$50,000.00 to $99,999.991.60%1.60%
$100,000.00 and over1.65%1.65%

YOUTH MINI CERTIFICATES OF DEPOSIT

Members ages 17 and under
Type of AccountAPR*APY*
$250-$1,000 for 12 months0.75%0.75%
$250-$1,000 for 24 months1.05%1.05%

VEHICLE LOANS

All loan rates and approval are subject to term, collateral and credit history. Rates expressed as *Annual Percentage Rate.
Vehicle Model YearMaximum TermAPR*
Rates offered
as low as
NEW VEHICLES
2015 & Newer
361.99%
481.99%
601.99%
722.99%
843.39%
USED VEHICLES
2011-2014
361.99%
482.19%
602.49%
723.49%
USED VEHICLES
2009-2010
362.79%
483.29%
603.99%
USED VEHICLES
2008 & Older
365.79%
485.79%

SECURED LOANS

All loan rates and approval are subject to term, collateral and credit history. Rates expressed as *Annual Percentage Rate.
Secured Loans (RV's/Boats/Campers/Motorcycles and other titled motor vehicles)Maximum Term (in months)APR* Rates offered as low as
No minimum loan amount603.49%
Minimum loan amount of $15,000724.49%
Minimum loan amount of $15,000844.74%
Minimum loan amount of $20,0001205.49%
Minimum loan amount of $25,0001806.99%

OTHER TYPES OF LOANS

All loan rates and approval are subject to term, collateral and credit history. Rates expressed as *Annual Percentage Rate.
Type Of LoanMaximum TermAPR*
rates offered as low as
PERSONAL LOANS
(Fixed term)
12 months7.90%
24 months8.90%
36 months9.90%
48 months10.90%
60 months12.90%
EASY ACCESS LINE OF CREDIT
(Open End)
10.90%
SHARE SECURED LOAN36 monthsRate + 2%
CERTIFICATE SECURED LOANTerm of certificateRate + 2%

REAL ESTATE LOANS

All loan rates and approval are subject to term, collateral and credit history. Rates expressed as *Annual Percentage Rate.
Type of LoanMaximum TermAPR*
Rates offered
as low as
HOME EQUITY PLUS LINE OF CREDIT
(Open End)
180 months5.00%
HOME EQUITY
(Fixed term - up to 90% Loan to Value)
Up to 60 months2.99%
61-84 months3.49%
85-120 months3.99%
121–180 months4.99%
FIRST MORTGAGE
(Up to 80% Loan to Value)
180 monthsCall for current rates.
515-243-2677
FIRST MORTGAGE PURCHASE LOANS360 monthsCall for current rates.
515-243-2677

CREDIT CARDS

All loan rates and approval are subject to term, collateral and credit history. Rates expressed as *Annual Percentage Rate.
Type of CardAPR*
Rates offered
as low as
MasterCard Platinum8.90%
MasterCard Gold10.90%
MasterCard Classic14.90%
Cash-Back Rewards MasterCard Platinum9.49%
Cash-Back Rewards MasterCard Gold11.49%