| Savings Accounts |
| Effective Date: Thursday, January 17th, 2019 |
| Savings Type | Minimum deposit required | Rate | APY* | Interest Paid |
| Share Savings |
$100.00 |
0.10% |
0.10% |
Monthly |
| Club Magic |
$1.00 |
0.10% |
0.10% |
Monthly |
| Money Market Tier 1 |
$1,000.00 |
0.20% |
0.20% |
Monthly |
| Money Market Tier 2 |
$25,000.00 |
0.40% |
0.40% |
Monthly |
| IRA |
$100.00 |
0.10% |
0.10% |
Quarterly |
| Fees could reduce the earnings on the account. |
| 90 day interest penalty for early withdraw from certificates or IRA certificates. |
| Certificate of Deposit & Term IRAs |
| Effective Date: Thursday, January 17th, 2019 |
| Term | Minimum deposit required | Rate | APY* | Interest Paid |
| 3 Month |
$500.00 |
0.50% |
0.50% |
Maturity |
| 6 Month |
$500.00 |
0.85% |
0.85% |
Quarterly |
| 12 Month |
$500.00 |
1.10% |
1.10% |
Quarterly |
| 18 Month |
$500.00 |
1.24% |
1.25% |
Quarterly |
| 24 Month |
$500.00 |
1.54% |
1.55% |
Quarterly |
| 30 Month |
$500.00 |
1.64% |
1.65% |
Quarterly |
| 36 Month |
$500.00 |
1.84% |
1.85% |
Quarterly |
| 48 Month |
$500.00 |
2.03% |
2.05% |
Quarterly |
| 60 Month |
$500.00 |
2.23% |
2.25% |
Quarterly |
| Jumbo Certificate |
24 Month and over $10,000 earns 10 basis points (.1%) above regular rate
24 Month and over $25,000 earns 25 basis points (.25%) above regular rate
|
| *APY=Annual Percentage Yield. 90 day interest penalty for early withdrawal from certificates or IRA certificates. |
| Secured (Titled New/Used Vehicles) |
| Effective Date: Thursday, January 17th, 2019 |
| Cars, Trucks, Vans, Motorcycles, Boats, Travel Trailers, Motor Homes, Fifth Wheels, etc. |
| Term | APR* As Low As |
| 24 Months |
2.99% |
| 36 Months |
2.99% |
| 48 Months |
2.99% |
| 60 Months |
2.99% |
| 72 Months ($15,000+) |
3.49% |
73-120 Months
(Boats, RVs, Motor Homes, Travel Trailers, Fifth Wheels) |
7.00% |
| *APR=Annual Percentage Rate. |
| Other Secured (Titled/Non-Titled) |
| Effective Date: Thursday, January 17th, 2019 |
| Jet Skis, Snowmobiles, Home Improvement, Off Road Motorcycles, etc. |
| Term | APR* As Low As |
| Up to 24 Months |
9.90% |
| 25-48 Months |
10.90% |
| *APR=Annual Percentage Rate. |
| Unsecured (Closed-End) |
| Effective Date: Thursday, January 17th, 2019 |
| Vacation, Christmas, Medical, Bill Consolidation, etc. |
| Term | APR* As Low As |
| Up to 24 Months |
12.25% |
| 25-48 Months |
13.00% |
| Line of Credit - Overdraft (Open-End) |
11.50% |
| *APR=Annual Percentage Rate. |
| Home Equity Loans |
| Effective Date: Thursday, January 17th, 2019 |
| Anti-Redlining Disclosure |
| | APR* As Low As |
| Home Equity Line of Credit |
7.00% |
| $10,000 Minimum 60 Month Draw Period |
|
| Term Home Equity |
Call Us |
| $7,500.00 Minimum up to 120 Months |
|
| VISA Cards |
| Effective Date: Thursday, January 17th, 2019 |
| Card Type | APR* | Rewards |
| VISA Secured |
15.50% |
|
| VISA Classic |
15.50% |
Travel, Gifts (Click Here for info) |
| VISA Gold |
13.50% |
Travel, Gifts (Click Here for info) |
| *APR=Annual Percentage Rate |
