Vehicle Loans

TYPE	TERM	APR*
New Vehicle	6 to 120 months	4.25% and up
Used Vehicle 2018-2023	6 to 120 months	5.25% and up
Used Vehicle 2013-2017	6 to 60 months	6.75% and up
Used Vehicle 2012 and older	6 to 60 months	10.50% and up

Recreational Vehicles

TYPE	TERM	APR*
New RVs, Watercraft, Motorcycles, & ATVs	6 to 120 months	5.25% and up
Used RVs, Watercraft, Motorcycles, & ATVs	6 to 120 months	5.75% and up

Other Collateral

TYPE	TERM	APR*
New	60 months	6.35% and up

Share Secured Loan

TYPE	TERM	APR*
Share Secured Loan	48 month	Rate + 3.00% (5.00% minimum)

Certificate Secured Loan

TYPE	TERM	APR*
Share Certificate Secured Loan	48 month	Rate + 3.00% (5.00% minimum)

Personal Loan

TYPE	TERM	APR*
Personal Loan	6 to 60 months	8.75% and up*

Share Certificates

TERM	DIVIDEND RATE	APY**
Six months	.05%	.05%
One year	.10% $20,000.00 .10%	.10% .10%
18 months	.12% $20,000.00 .15%	.12% .15%
2 years	.18% $20,000.00 .20%	.18% .20%
3 years	.22% $20,000.00 .25%	.22% .25%
4 years	.25% $20,000.00 .30%	.25% .30%

Dividend Rates

ACCOUNTING TYPE	DIVIDEND RATE	APY**
Share Savings Account	.05%	.05%
Money Market Investment Account	.05%	.05%
Christmas Club	.10%	.10%
Checking Account	$0 – $2,499.99 .00% $2,500 .00%	$0 – $2,499.99 .00% $2,500 .00%