Loan & Savings Rates
Rates effective as of April 30, 2025. Rates subject to change at any time.
Loan Rates
New & Used Auto Loans
| Type of Loan | Term | APR* as low as |
|---|---|---|
| New & Used Autos (2024 - 2025) |
||
| Up to 36 months | 5.75% | |
| 37 - 66 months | 6.00% | |
| 67 - 72 months | 6.25% | |
| 73 - 84 months | 6.75% | |
| New & Used Autos (2021 - 2023) |
||
| Up to 36 months | 5.75% | |
| 37 - 66 months | 6.75% | |
| 67 - 72 months | 7.00% | |
| New & Used Autos (2018 - 2020) |
||
| Up to 36 months | 5.75% | |
| 37 - 48 months | 7.25% | |
| 49 - 60 months | 7.50% | |
| New & Used Autos (2016 - 2017) |
||
| Up to 24 months | 5.75% | |
| 25 - 36 months | 7.75% | |
| 37 - 48 months | 8.00% | |
| New & Used Autos (2009 - 2015, by approval) |
||
| Up to 24 months | 5.75% | |
| 25 - 36 months | 8.25% | |
| 37 - 48 months | 8.50% | |
Mowers, ATVs, RVs, Trailers, Tractors, Motorcycles
| Type of Loan | Term | APR* as low as |
|---|---|---|
| Recreational Vehicles(2024 - 2025) | Up to 36 months | 5.75% |
| 37 - 66 months | 6.00% | |
| 67 - 72 months | 6.25% | |
| 73 - 84 months | 6.75% | |
| 84+ months RVs Only |
7.25% | |
| Recreational Vehicles(2021 - 2023) | Up to 36 months | 5.75% |
| 37 - 66 months | 6.75% | |
| 67 - 72 months | 7.00% | |
| Recreational Vehicles(2018 - 2020) | Up to 36 months | 5.75% |
| 37 - 48 months | 7.25% | |
| 49 - 60 months | 7.50% | |
| Recreational Vehicles(2016 - 2017) | Up to 24 months | 5.75% |
| 25 - 36 months | 7.75% | |
| 37 - 48 months | 8.00% | |
| Recreational Vehicles(2009 - 2015, by approval) | Up to 24 months | 5.75% |
| 25 - 36 months | 8.25% | |
| 37 - 48 months | 8.50% |
Storm Shelters
| Type of Loan | Term | APR* as low as |
|---|---|---|
| Storm Shelters | Up to 24 months | 5.50% |
American Truck Driving Academy
| Type of Loan | Term | APR* as low as |
|---|---|---|
|
American Truck Driving Academy Max $6,000 1st Payment 45 Days |
Up to 60 months | 8.00% |
| Type of Loan | Term | APR* as low as |
|---|---|---|
| Personal Loan | Up to 48 months | 10.00% |
| PAL I Up to $1,000 |
6 months | 13.00% |
| PAL II Up to $2,000 |
12 months | 19.00% |
Personal Loans
Savings Rates
| Account Type | Balance / Term | Dividend Rate (APR) |
APY |
|---|---|---|---|
| Regular Share | $5.00 Par Required | 0.17% | 0.17% |
| $100.00 and Up | 0.17% | 0.17% | |
| Children's Share (Youth Account) |
$5.00 – $999.99 | 4.50% | 4.59% |
| $1,000 – $2,499.99 | 1.60% | 1.61% | |
| $2,500 – $9,999.99 | 1.10% | 1.11% | |
| $10,000 and Up | 0.60% | 0.60% | |
| Money Market | Up to $9,999.99 | 0.10% | 0.10% |
| $10,000 – $24,999.99 | 0.90% | 0.90% | |
| $25,000 – $49,999.99 | 1.04% | 1.05% | |
| $50,000 – $74,999.99 | 1.14% | 1.15% | |
| $75,000 – $99,999.99 | 1.34% | 1.35% | |
| $100,000 – $149,999.99 | 1.39% | 1.40% | |
| $150,000 – $199,999.99 | 1.64% | 1.65% | |
| $200,000 – $249,999.99 | 1.73% | 1.75% | |
| $250,000 and Over | 1.88% | 1.90% |
Share Certificates
| Account Type | Balance / Term | Dividend Rate (APR) | APY |
|---|---|---|---|
| Share Certificates ($1,000 – $99,999) | 3 Months | 2.97% | 3.01% |
| 6 Months | 3.79% | 3.86% | |
| 12 Months | 3.70% | 3.76% | |
| 24 Months | 3.55% | 3.61% | |
| 36 Months | 3.50% | 3.56% | |
| 48 Months | 3.45% | 3.50% | |
| Share Certificates ($100,000 and Over) | 3 Months | 3.07% | 3.11% |
| 6 Months | 3.89% | 3.96% | |
| 12 Months | 3.80% | 3.87% | |
| 24 Months | 3.65% | 3.71% | |
| 36 Months | 3.60% | 3.66% | |
| 48 Months | 3.55% | 3.61% |