Rates
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| Effective: April 1, 2022 |
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| SAVINGS RATES |
| AMOUNT |
DIVIDEND RATE |
APY |
| $25.00 to $500.00 |
0.10% |
0.10% |
| $501.00 to $4,000.00 |
0.20% |
0.20% |
| over $4,000.00 |
0.30% |
0.30% |
| X-mas |
0.05% |
0.05% |
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| CERTIFICATES OF DEPOSITS |
| TERM |
DIVIDEND RATE |
APY |
| 6 Months |
0.50% |
0.50% |
| 12 Months |
0.75% |
0.75% |
| 24 Months |
1.00% |
1.00% |
| IRA FOR 1 YEAR |
0.75% |
0.75% |
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LOAN PROGRAMS
Annual Percentage Rates (APR)
Effective April 1, 2022
| VEHICLE LOAN RATES |
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| Auto NADA / MSRP |
72 Months - Minimum $25,000.00 |
| 100% A+ & A Tiers |
84 Months - Minimum $30,000.00 |
| 100% B+ & C Tiers |
These will be approved on a case by case basis |
| 90% D & E Tiers |
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| RV FINANCING |
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| 100% A+, A, & B Tiers |
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| 80% C & D Tiers |
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| NO PREPAYMENT PENALTIES |
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| NO APPLICATION FEES ON AUTO AND RV LOANS! |
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| Autos 100% NADA/MSRP A+ & A Tiers |
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| RV, Boats, Campers Financing 100% NADA Financing |
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| Auto Max. Terms: 84 mos. ($30,000 Min.) 2021 -2022 |
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| 72 mos. ($25,000 Min.) |
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| These will be approved on a case by case basis. |
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| PAYDAY LOANS |
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| Amount |
Fees |
APR |
Total |
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| $100 |
$15 |
195.54% |
$115 |
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| $200 |
$25 |
162.95% |
$225 |
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| $400 |
$45 |
146.65% |
$445 |
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| $500 |
$55 |
143.39% |
$550 |
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| INSTALLMENT LOANS |
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| Amount |
Fees |
APR |
Total |
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| $1000 |
$100 |
6.63% |
$1100 |
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| $2000 |
$200 |
6.63% |
$2200 |
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| $4000 |
$400 |
6.63% |
$4400 |
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| $5000 |
$500 |
6.63% |
$5500 |
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| NEW AUTO LOANS |
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| TIER |
TERMS |
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12-36 MO |
37-48 MO |
49-60 MO |
61-72 MO |
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| A+ |
2.99% |
3.49% |
3.99% |
4.49% |
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| A |
3.99% |
4.49% |
4.99 |
5.49% |
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| B |
4.99% |
5.49% |
5.99% |
6.49% |
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| C |
5.99% |
6.49% |
6.99% |
7.49% |
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| D |
6.99% |
7.49% |
7.99% |
8.49% |
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| E |
7.99% |
8.49% |
8.99% |
9.49% |
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| USED AUTO LOAN NADA |
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| TIER |
TERMS |
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12-36 MO |
37-48 MO |
49-60 MO |
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| A+ |
3.50% |
4.00% |
4.25% |
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| A |
4.50% |
5.00% |
5.50% |
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| B |
5.50% |
6.00% |
6.50% |
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| C |
6.50% |
7.00% |
7.50% |
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| D |
7.00% |
7.50% |
8.00% |
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| E |
8.00% |
8.50% |
9.00% |
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| SIGNATURE LOANS (Minimum $500.00) |
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| TIER |
TERMS |
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12-24 MO |
25-36 MO |
37-48 MO |
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| A+ |
5.25% |
6.25% |
7.25% |
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| A |
6.25% |
7.25% |
8.25% |
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| B |
7.25% |
8.25% |
9.25% |
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| C |
8.25% |
9.25% |
10.25% |
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| D |
9.25% |
N/A |
N/A |
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| E |
10.25% |
N/A |
N/A |
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| VACATION / FURNITURE / COMPUTER |
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| TIER |
TERMS |
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MAX. AMT. |
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6 MO |
12 MO |
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| A+ |
7.00% |
7.25% |
$3,000.00 |
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| A |
7.25% |
7.50% |
$3,000.00 |
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| B |
7.50% |
7.75% |
$2,000.00 |
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| C |
7.75% |
8.00% |
$2,000.00 |
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| D |
8.00% |
8.25% |
$1,500.00 |
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| E |
8.25% |
8.50% |
$1,000.00 |
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| COLLATERALIZED LOANS |
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| Share Secured Loans up to 8 years |
5.00% |
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| Certificate Secured Loans (CD rate +) |
4.75% |
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