Rates

Rates Effective As of August 14th, 2026

Loan Specials

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Share Accounts

Account	Minimum Balance	APR*	APY*
Membership Account (Statement)	$25.00	0.15%	0.15%
Statement Savings	$25.00	0.15%	0.15%
Share Draft	$25.00	0.05%	0.05%

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Share Certificates/Money Markets

Account	Minimum Balance	APR*	APY*
Money Market Access	$10,000.00	0.25%	0.25%
6 Month Certificate	$500.00	3.25%	3.30%
12 Month Certificate	$500.00	3.75%	3.82%
12 Month Certificate Special	$500.00	3.75%	3.82%
12 Month IRA	$1,000.00	3.75%	3.82%

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Personal Loans

Terms	Payment Per $1000	APR* As Low As
Maximum term to 48 months – Over $5000 with 2 signatures from same household	$26.07	11.50%
Maximum term to 36 months	$32.51	10.50%

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New Auto Loans

Terms	Payment Per $1000	APR* As Low As
Maximum term to 60 months	$18.42	3.99%
Maximum term to 72 months	$15.64	3.99%

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Used Auto Loans – with 15% down

Terms	Payment Per $1000	APR* As Low As
Maximum term to 48 months Vehicles 1 – 5 years old	$22.80	4.49%
Maximum term to 48 months Vehicles 6 years or older	$23.92	6.99%
Maximum term to 60 months	$20.27	7.99%

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Loans Secured With Shares

Terms	Payment Per $1000	APR* As Low As
Maximum term to 36 months	$29.10	3.10%
Maximum term to 48 months	$22.56	4.10%

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Credit Card Consolidation

Maximum Loan Amount	Terms	Payment Per $1000	APR* As Low As
$5,000	36 Months	$32.51	10.50%

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First Mortgage

Terms	Type	Payment Per $1000	APR* As Low As
20 Years	Fixed	$7.02	5.75%
30 Years	Fixed	$6.00	6.00%
30 Years	3 year/1 year variable rate	$5.68	5.50%

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Real Estate Loans

Product	Terms	Type	Payment Per $1000	APR* As Low As
2nd Mortgage	5 Years	Fixed	$18.87	5.00%
2nd Mortgage	10 Years	Fixed	$10.74	5.25%
2nd Mortgage	15 Years	Fixed	$8.17	5.50%

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Open End Line of Credit

Terms	Type	Payment Per $1000	APR* As Low As
Up to 30 years	1 year variable rate	$5.68	5.50%

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*APR – Annual Percentage Rate
*APY – Annual Percentage Yield