New and Used Vehicles

Vehicle AgeAvailable TermAPR* as low as:
2011 or newerUp to 63 months2.99%
2011 or newer75 months3.20%
2010 or olderUp to 63 months4.95%
2010 or older75 months5.45%

*84 month term available with certain restrictions


Vehicle AgeAvailable TermAPR* as low as:
2011 or newerUp to 75 months3.20%
2010 or olderUp to 75 months5.45%
120 month term available for loan amount of at least $35,0006.75%
180 month term available for loan amount of at least $50,0007.75%

*84 month term available with certain restrictions

Personal Loans

TypeAvailable AmountTerms up to:APR* as low as:
Share Secured Personal Loanequal to amount in savings or shares up to $180,00060 months6.5%
Certificate Secured Personal LoanEqual to amount of CDs up to $180,000Equal to remaining term of certificate6.5%
Unsecured Personal Loanup to $48,00060 months10%
Prime Credit Line of Credit$5,000 to $48,000Open endedPrime + 1%
Overdraft Protection$500 to $2,500Open endedPrime + 6.5%


Home Loan TypeDescriptionAvailable Term Lengths
Fixed-rate mortgageLoan that provides a predictable payment schedule by maintaining the same rate for the life of the loan.30, 25, 20, 15, and 10 year
Adjustable rate mortgageLoan that starts with a fixed rate for an initial term, then changes to an adjustable rate.3/1, 5/1, 7/1
VA mortgageFixed-rate loan up to 100% financing for qualified veterans, with little or no down payment and no monthly mortgage insurance.30 and 15 year
FHA mortgageGovernment-insured fixed rate loan with low down payment and low interest rate.  30 and 15 year
USDA mortgageMortgage program from the U.S. Department of Agriculture; loans with low interest rates and no down payment.30 year
Jumbo mortgageLoan for amounts greater than $417,000. Minimum 25% down payment with 720 credit score30, 25, 15 and 10
5/1, 7/1 and 10/1


Loan to Value (LTV) RatioAPR as low as:Advances availableRepayment Term
80% LTV4.75%First 10 years20 years
90% LTV4.75%First 10 years20 years
100% LTV7.25%First 5 years10 years


Account TypeMinimum Opening DepositMinimum BalanceAPY*
Share Savings$5$50.05%
IRA Share SavingsNoneNone0.05%
Holiday ClubNoneNone0.05%
Vacation ClubNoneNone0.05%

Share Certificate

Term lengthMinimum DepositAPYDividend RateEarly withdrawal penalty
90 days$10000.15%0.15%90 day dividend
6 months$10000.20%0.20%90 day dividend
1 year$5000.25%0.25%180 day dividend
2 years$5000.50%0.50%180 day dividend
3 years$5000.75%0.75%180 day dividend
4 years$5000.75%0.75%180 day dividend
5 years$5001.25%1.24%180 day dividend

Home Buyers Certificate

Term LengthMinimum DepositAPYDividend RateEarly Withdrawal Penalty
1 Year$5000.25%0.25%180 Day Dividend

IRA and Coverdell Education Savings Certificates

Term LengthMinimum Deposit by TypeAPYDividend RateEarly Withdrawal Penalty
1 Year$1000$5000.10%0.10%180 Day Dividend
2 Years$1000$5000.25%0.25%180 Day Dividend
3 Years$1000$5000.50%0.50%180 Day Dividend
4 Years$1000$5000.50%0.50%180 Day Dividend
5 Years$1000$5001.00%1.00%180 Day Dividend

Money Market

BalanceAPYDividend Rate
$100 - $2,499.000.05%0.05%
$2,500 - $24,999.990.05%0.05%
$25,000 and up0.15%0.15%