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Loan Rates
Prime Rate
Prime Rate Prime Rate 3.25% Auto Loan Rates
Type Loan Type Term *APR 1700 New Auto (2022-2021) 24 Months 2.99% Never Titled 36 Months 2.99% 48 Months 2.99% 60 Months 2.99% >$15,000 72 Months 3.99% 1600 Used Auto (2022-2011) 24 Months 2.99% Previously Titled 36 Months 2.99% 48 Months 2.99% 60 Months 2.99% >$15,000 72 Months 3.99% 1600 Used Auto (2010-2009) 24 Months 2.99% Titled 36 Months 2.99% 48 Months 2.99% 60 Months 2.99% 1600 Pre-Owned Automobile (2008-2006) 12-36 Months 2.99% *Annual Percentage Rate (APR). As low as.
Recreational Vehicles
Type Loan Type Term *APR 1300 New Motorcycle/ATV (Never Titled) 24-60 Months 4.50% 72 Months 5.50% 1200 Used Motorcycle/ATV (Titled) 24-60 Months 5.50% 1900 New Boat - 2022 - 2021 24-120 Months 6.00% 1800 Used Boat - 2021-2006 24-84 Months 6.75% 1500 New RV/Camper (Never Titled) 24-60 Months 5.75% 72 Months 6.00% 84 Months 6.25% 120-144 Months 6.50% 1400 Used RV's/Campers (up to 20 years old) 2022-2002 24-60 Months 6.00% 72-84 Months 6.25% 120-144 Months 6.50% *Annual Percentage Rate (APR)
Tractor
Type Term APR New Tractor - Never Titled 24 - 60 Months 7.00% New Tractor - Never Titled 72 Months 8.00% Used Tractor - Titled 24 - 60 Months 8.00% Signature Loans
Type Loan Type Term *APR 4000 Signature Loan/Closed End 12-48 Months 6.99% >$2,500 5100 Signature Loan/Open End 12-36 Months 15.40% <$2,500 *Annual Percentage Rate (APR)
Real Estate Loans
Loan Type Term *APR Home Equity LOC - Variable Revolving 4.00% Home Equity Up to 80% LTV 24-60 Months n/a 61-84 Months n/a 85-120 Months n/a 121-180 Months n/a 81% - 90% LTV 24-60 Months n/a 61-84 Months n/a 85-120 Months n/a 121-180 Months n/a 91% - 100% LTV Currently Not Available 24-60 Months n/a 61-84 Months n/a 85-120 Months n/a 121-180 Months n/a *Annual Percentage Rate (APR)
Construction Loans
Loan Type Term *APR Construction Loan 12 Months 5.25% *Annual Percentage Rate (APR)
Mobile Homes
Type Term APR 2200 New Mobile Home - Never Titled $10,000 + 20% DP 60 Months 5.25% $15,000 + 20% DP 84 Months 6.00% $20,000 + 20% DP 120 Months 6.25% 2100 Used Mobile Home (up to 20 years) $10,000 + 20% DP 60 Months 5.25% $15,000 + 20% DP 84 Months 6.00% $20,000 + 20% DP 120 Months 6.25% VISA Credit Card Rates
Card Type *APR VISA Platinum 7.90% VISA Platinum Plus 8.90% *Annual Percentage Rate (APR)
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Savings & Deposit Rates
Membership Shares - All Rates Effective Sept 1, 2021
Type Account **APY *Dividend Rate Min. Bal. to Earn Dividends/Interest 0001 Membership Shares* Tier 1 ($.00-$4.99) 0.00% 0.00% $0.00 Tier 2 ($5-$1,999.99) 0.10% 0.10% $5.00 Tier 3 ($2000.00-$9999.99) 0.13% 0.13% $2,000.00 Tier 4 ($10,000.00-$24,999.99) 0.15% 0.15% $10,000.00 Tier 5 ($25,000.00+) 0.25% 0.25% $25,000.00 **Annual Percentage Yield (APY)
*Membership Share dividends are declared monthly by the Board of Directors.Bailey Bobcat
Type Account **APY *Dividend Rate Min. Bal. to Earn Dividends/Interest 0012 Bailey Bobcat Tier 1 ($.00-$4.99) 0.00% 0.00% $0.00 Tier 2 ($5 - $1,999.99) 0.10% 0.10% $5.00 Tier 3 ($2000.00-$9999.99) 0.13% 0.13% $2,000.00 Tier 4 ($10,000.00-$24,999.99) 0.15% 0.15% $10,000.00 Tier 5 ($25,000.00+) 0.25% 0.25% $25,000.00 **Annual Percentage Yield (APY)
*Membership Share dividends are declared monthly by the Board of Directors.Jr. Executives *
Type Account **APY *Dividend Rate Min. Bal. to Earn Dividends/Interest 0017 Jr. Executives * Tier 1 ($.00-$500) 0.95% 0.95% $0.00 Tier 2 ($500.01 -$1,999.99) 0.10% 0.10% $500.00 Tier 3 ($2000.00-$9999.99) 0.13% 0.13% $2,000.00 Tier 4 ($10,000.00-$24,999.99) 0.15% 0.15% $10,000.00 Tier 5 ($25,000.00+) 0.25% 0.25% $25,000.00 **Annual Percentage Yield (APY)
*Membership Share dividends are declared monthly by the Board of Directors.Smart Young Investors*
Type Account **APY *Dividend Rate Min. Bal. to Earn Dividends/Interest 0024 Smart Young Investor* Tier 1 ($.00-$2,500) 1.20% 1.19% $0.00 Tier 2 ($2,500.01 -$9,999.99) 0.13% 0.13% $2,000.00 Tier 3 ($10,000.00-$24,999.99) 0.15% 0.15% $10,000.00 Tier 5 ($25,000.00+) 0.25% 0.25% $25,000.00 **Annual Percentage Yield (APY)
*Membership Share dividends are declared monthly by the Board of Directors.Custom Daily Savings
Type Account **APY *Dividend Rate Min. Bal. to Earn Dividends/Interest 0002 Custom Daily Savings Tier 1 ($0-$499.99) 0.00% 0.00% N/A Tier 2 ($500.00-$1999.99) 0.10% 0.10% $500.00 Tier 3 ($2000.00-$9999.99) 0.13% 0.13% $2,000.00 Tier 4 ($10,000.00-$24,999.99) 0.15% 0.15% $10,000.00 Tier 5 ($25,000.00+) 0.25% 0.25% $25,000.00 **Annual Percentage Yield (APY)
*Membership Share dividends are declared monthly by the Board of Directors.Special Savings
Type Account **APY *Dividend Rate Min. Bal. to Earn Dividends/Interest 0007 Special Savings 0.15% 0.15% $10.00 **Annual Percentage Yield (APY)
*Membership Share dividends are declared monthly by the Board of Directors.Holiday Savings
Type Account **APY *Dividend Rate Min. Bal. to Earn Dividends/Interest 0005 Holiday Savings 0.15% 0.15% $0.00 **Annual Percentage Yield (APY)
*Membership Share dividends are declared monthly by the Board of Directors.Custom Money Market
Type Account **APY *Dividend Rate Min. Bal. to Earn Dividends/Interest 0059 Custom Money Market Tier 1($0.01-$4999.99) 0.15% 0.15% $2,500.00 Tier 2 ($5000.00-$9,999.99) 0.20% 0.20% $5,000.00 Tier 3 ($10,000.00-$24,999.99) 0.25% 0.25% $10,000.00 Tier 4 ($25,000.00-$49,999.99) 0.30% 0.30% $25,000.00 Tier 5 ($50,000.00- $99,999.99) 0.35% 0.35% $50,000.00 Tier 6 ($100,000+) 0.40% 0.40% $100,000.00 **Annual Percentage Yield (APY)
*Membership Share dividends are declared monthly by the Board of Directors.Free Checking w/E-Statements
Account **APY *Dividend Rate Min. Bal. to Earn Dividends/Interest 0077 Free Checking w/E-Statements Tier 1 ($0-$999.99) 0.00% 0.00% N/A Tier 2 ($1000-$1999.99) 0.05% 0.05% $1000.00 Tier 3 ($2000-$9999.99) 0.10% 0.10% $2000.00 Tier 4 ($10,000-$24,999.99) 0.15% 0.15% $10,000.00 Tier 5 ($25,000 +) 0.20% 0.20% $25,000.00 **Annual Percentage Yield (APY)
*Membership Share dividends are declared monthly by the Board of Directors.Emeritus
Account **APY *Dividend Rate Min. Bal. to Earn Dividends/Interest 0055 Emeritus Tier 1 ($0-$999.99) 0.00% 0.00% N/A Tier 2 ($1000-$1999.99) 0.05% 0.05% $1000.00 Tier 3 ($2000-$9999.99) 0.10% 0.10% $2000.00 Tier 4 ($10,000-$24,999.99) 0.15% 0.15% $10,000.00 Tier 5 ($25,000 +) 0.20% 0.20% $25,000.00 **Annual Percentage Yield (APY)
*Membership Share dividends are declared monthly by the Board of Directors.Premier Now
Account **APY *Dividend Rate Min. Bal. to Earn Dividends/Interest 0050 Premier Now Tier 1 ($0-$999.99) 0.00% 0.00% $0.00 Tier 2 ($1000-$1999.99) 0.05% 0.05% $1000.00 Tier 3 ($2000-$9999.99) 0.10% 0.10% $2000.00 Tier 4 ($10,000-$24,999.99) 0.15% 0.15% $10,000.00 Tier 5 ($25,000 +) 0.20% 0.20% $25,000.00 **Annual Percentage Yield (APY)
*Membership Share dividends are declared monthly by the Board of Directors.Term Share Certificate Rates
Type Account **APY *Dividend Rate Min. Bal. to Earn Dividends/Interest $500.00 - $49,999.99 1011 6 - 11 Months 0.15% 0.15% $1,000.00 1012 12 - 17 Months 0.30% 0.30% $1000.00 1013 18 - 23 Months 0.35% 0.35% $1000.00 1014 24 - 29 Months 0.45% 0.45% $500.00 1015 30 - 47 Months 0.50% 0.50% $500.00 1016 48 - 59 Months 0.65% 0.65% $500.00 1017 60 Months 0.70% 0.70% $500.00 $50,000 + 1011 6 - 11 Months 0.20% 0.20% $50,000.00 1012 12 - 17 Months 0.35% 0.35% $50,000.00 1013 18 - 23 Months 0.40% 0.40% $50,000.00 1014 24 - 29 Months 0.50% 0.50% $50,000.00 1015 30 - 47 Months 0.55% 0.55% $50,000.00 1016 48 - 59 Months 0.70% 0.70% $50,000.00 1017 60 Months 0.75% 0.75% $50,000.00 ***Subject to maturity.
**Annual Percentage Yield (APY)
*Membership Share dividends are declared monthly by the Board of Directors.Individual Retirement Account Rates
Account Type Range **APY *Dividend Rate Min. Bal. to Earn Dividends Traditional Roth $1000 - $49,999.99 1072 1082 12 - 17 Months 0.30% 0.30% $1000.00 1073 1083 18 - 23 Months 0.35% 0.35% $1000.00 1074 1084 24 - 29 Months 0.45% 0.45% $1000.00 1075 1085 30 - 47 Months 0.50% 0.50% $1000.00 1076 1086 48 - 59 Months 0.65% 0.65% $1000.00 1077 1087 60 Months 0.70% 0.70% $1000.00 Traditional Roth $50,000 + 1072 1082 12 - 17 Months 0.35% 0.35% $50,000.00 1073 1083 18 - 23 Months 0.40% 0.40% $50,000.00 1074 1084 24 - 29 Months 0.50% 0.50% $50,000.00 1075 1085 30 - 47 Months 0.55% 0.55% $50,000.00 1076 1086 48 - 59 Months 0.70% 0.70% $50,000.00 1077 1087 60 Months 0.75% 0.75% $50,000.00 **Annual Percentage Yield (APY)
*Membership Share dividends are declared monthly by the Board of Directors.Individual Retirement Share Account Rates
Account Type Range **APY *Dividend Rate Min. Bal. to Earn Dividends Traditional Roth 0008 0080 $200-$4999.99 0.15% 0.15% $200.00 0008 0080 $5000-$9999.99 0.20% 0.20% $5000.00 0008 0080 $10,000-$24,999.99 0.25% 0.25% $10,000.00 0008 0080 $25,000-$49,999.99 0.30% 0.30% $25,000.00 0008 0080 $50,000.00+ 0.35% 0.35% $50,000.00 Early IRA withdrawal is subject to IRS penalty… contact your tax advisor.
Federally insured by NCUA.
**Annual Percentage Yield (APY)
*Membership Share dividends are declared monthly by the Board of Directors.