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Loan & Savings Rates

Savings Accounts
Effective Date: Friday, April 28th, 2017
Savings TypeMinimum deposit requiredRateAPY*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 0.15% 0.15% Monthly
Money Market Tier 2 $25,000.00 0.18% 0.18% 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: Friday, April 28th, 2017
TermMinimum deposit requiredRateAPY*Interest Paid
3 Month $500.00 0.30% 0.30% Maturity
6 Month $500.00 0.45% 0.45% Quarterly
12 Month $500.00 0.60% 0.60% Quarterly
18 Month $500.00 0.70% 0.70% Quarterly
24 Month $500.00 0.85% 0.85% Quarterly
30 Month $500.00 1.00% 1.00% Quarterly
36 Month $500.00 1.15% 1.15% Quarterly
48 Month $500.00 1.39% 1.40% Quarterly
60 Month $500.00 1.64% 1.65% 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: Friday, April 28th, 2017
Cars, Trucks, Vans, Motorcycles, Boats, Travel Trailers, Motor Homes, Fifth Wheels, etc.
TermAPR* 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: Friday, April 28th, 2017
Jet Skis, Snowmobiles, Home Improvement, Off Road Motorcycles, etc.
TermAPR* As Low As
Up to 24 Months 9.90%
25-48 Months 10.90%
*APR=Annual Percentage Rate.

Unsecured (Closed-End)
Effective Date: Friday, April 28th, 2017
Vacation, Christmas, Medical, Bill Consolidation, etc.
TermAPR* As Low As
Up to 24 Months 12.25%
25-48 Months 13.00%
Line of Credit - Overdraft (Open-End) 10.50%
*APR=Annual Percentage Rate.

Home Equity Loans
Effective Date: Friday, April 28th, 2017
Anti-Redlining Disclosure
APR* As Low As
Home Equity Line of Credit 5.00%
$10,000 Minimum 60 Month Draw Period  
Term Home Equity Call Us
$7,500.00 Minimum up to 120 Months  

VISA Cards
Effective Date: Friday, April 28th, 2017
Card TypeAPR*Rewards
VISA Secured 14.75%  
VISA Classic 14.75% Travel, Gifts (Click Here for info)
VISA Gold 12.75% Travel, Gifts (Click Here for info)
*APR=Annual Percentage Rate

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