Rates

Dividend Rates

Dividend Rates Effective 01/01/2020 to 01/31/2020
Term of Account Minimum Balance APY* Dividend Rate
Regular Share Savings $50,000.00 0.15% 0.15%
$20,000.00 0.15%  0.15%
$1,000.00 0.15%  0.15%
$100.00 0.15%  0.15%
$25.00 0.00%  0.00%
Club Accounts $25.00 0.20% 0.20%
Money Market Account $25,000.00 0.25% 0.25%
$2,500.00 0.20%  0.20%

*APY = Annual Percentage Yield (the perspective APY is stated)
   Fees could reduce the earnings on dividends

Share Certificates

Share Certificates
Term of Account Minimum Balance APY* Dividend Rate
6 Month $500.00 0.20% 0.20%
12 Month $1,000.00 0.25% 0.25%
18 Month Bump-Up $1,000.00 0.65% 0.65%
30 Month $1,000.00 0.75% 0.75%
60 Month $2,500.00 1.41% 1.40%

*APY = Annual Percentage Yield (the perspective APY is stated)
Fees could reduce the earnings on dividends
Early withdrawal penalties on share certificates could reduce earning

IRAs

IRAs
Term of Account Minimum Balance APY* Dividend Rate
Variable Rate none 0.20% 0.20%

*Rate may change after account is opened

IRA Share Certificates

IRA Share Certificates
Term of Account Minimum Balance APY* Dividend Rate
6 Month IRA $500.00 0.20% 0.20%
12 Month IRA $1,000.00 0.25% 0.25%
18 Month Bump-Up IRA $1,000.00 0.65% 0.65%
30 Month IRA $1,000.00 0.80% 0.80%
60 Month IRA $2,500.00 1.51% 1.50%

*APY = Annual Percentage Yield (the perspective APY is stated)
Fees could reduce the earnings on dividends
Early withdrawal penalties on share certificates could reduce earning

Loan Rates and Terms

Loan Rates and Terms
Loan Type APR**
Secured Loans rates as low as 3.00%
Unsecured Loans rates as low as 8.25%
Home Equity Loans rates as low as 4.49%

**APR=Annual Percentage Rate

Visa Credit Cards

Visa Credit Cards
Type   APR**
Classic   12.00%
Platinum   9.90%
Platinum Intro Rate 12 months 5.90%

**APR=Annual Percentage Rate