Loan & Savings Rates

Savings Accounts
Effective Date: Friday, November 22nd, 2019
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 0.10% 0.10% Monthly
Money Market Tier 2 $25,000.00 0.20% 0.20% Monthly
IRA $100.00 0.25% 0.25% 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, November 22nd, 2019
TermMinimum deposit requiredRateAPY*Interest Paid
Save to Win Certificate $25.00 0.15% 0.15% Quarterly
3 Month $500.00 0.50% 0.50% Maturity
6 Month $500.00 0.50% 0.50% Quarterly
12 Month $500.00 0.75% 0.75% Quarterly
18 Month $500.00 1.00% 1.00% Quarterly
24 Month $500.00 1.49% 1.50% Quarterly
30 Month $500.00 1.49% 1.50% Quarterly
36 Month $500.00 1.74% 1.75% Quarterly
48 Month $500.00 1.93% 1.95% Quarterly
60 Month $500.00 2.08% 2.10% Quarterly
Jumbo Certificate
24 Month and over $10,000 earns 5 basis points (.05%) above regular rate
24 Month and over $25,000 earns 10 basis points (.1%) 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, November 22nd, 2019
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, November 22nd, 2019
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. Home Improvement Loans may extend up to 60 months.

Unsecured (Closed-End)
Effective Date: Friday, November 22nd, 2019
Vacation, Christmas, Medical, Bill Consolidation, etc.
TermAPR* As Low As
Up to 24 Months 12.25%
25-48 Months 13.00%
Holiday Loans (Terms up to 12 Months) 8.99%
Line of Credit - Overdraft (Open-End) 11.75%
MyPay Today (Terms up to 2 Months) 18.00%
*APR=Annual Percentage Rate.

Home Equity Loans
Effective Date: Friday, November 22nd, 2019
Anti-Redlining Disclosure
APR* As Low As
Home Equity Line of Credit ($10,000 Minimum 60 Month Draw Period)  
Up to 100% of Home's Life Time Value 5.75%
Under 75% of Home's Life Time Value 5.00%
Term Home Equity ($7,500.00 Minimum, up to 120 Months) Call Us
Community Partnership Loan 9.75%

VISA Cards
Effective Date: Friday, November 22nd, 2019
Card TypeAPR*Rewards
VISA Secured 16.00%  
VISA Classic 16.00% Travel, Gifts (Click Here for info)
VISA Gold 14.00% Travel, Gifts (Click Here for info)
*APR=Annual Percentage Rate

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