Rates
Effective as of December 31, 2019
Prime Rate 4.75%
Integrated Loan Calculator
Fee Schedule
Loans |
Term |
APR*
|
| New Auto (Less than 10,000 miles) | Up to 72 months | 2.99% |
| 73-84 months | 3.99% | |
| Used Auto | ||
| Year Model 2018-2020 | 61-72 months | 3.99% |
| Year Model 2018-2020 | up to 60 months | 2.99% |
| Year Model 2016-2017 | max term 60 months | 2.99% |
| Year Model 2014-2015 | max term 54 months | 2.99% |
| 2013 & Older- Max LTV < 90% | up to 42 months | 4.99% |
| Savings Secured Loan (Savings/CD Rate + 3.0%) | 24 Months | 3.10% |
| Personal/Signature Loan | max term 60 months | 12.95% |
| Personal Line of Credit | 12.95% | |
| Overdraft Protection Loan | 18.00% | |
| Home Equity Fixed 80% or less LTV - First position Deed of Trust | 12 - 180 Months | 4.75% |
| Home Equity Fixed 80% or less LTV- Second position Deed of Trust | 12 - 180 Months | 5.75% |
| Home Equity Line of Credit 80% or less LTV (Prime + 0.75 - Minimum rate of 4.00%) | 180 Months | 5.50% |
*APR = Annual Percentage Rate
Interest Rate to be determined by Equifax Beacon Score on date of loan closing.
Savings |
Term |
Rate |
APY* |
| Share Savings | 0.10% | 0.10% | |
| Share Checking (ADB $500) | 0.05% | 0.05% | |
| Money Market | 0.15% | 0.15% | |
| Money Market (Balance over $25,000) | 0.15% | 0.15% | |
| IRA | 0.45% | 0.45% | |
| Roth IRA, Coverdell and Health Savings Account | 0.45% | 0.45% | |
| Christmas Club | 12 Months | 0.35% | 0.35% |
| Vacation Club | 12 Months | 0.35% | 0.35% |
*APY = Annual Percentage Yield
Certificates |
Term |
Rate |
APY* |
| Certificate or IRA | 6 Months | 0.30% | 0.30% |
| Certificate or IRA | 12 Months | 0.50% | 0.50% |
| Certificate or IRA | 18 Months | 0.60% | 0.60% |
| Certificate or IRA | 24 Months | 0.70% | 0.70% |
| Certificate or IRA | 36 Months | 0.80% | 0.80% |
$100,000 or more = additional 0.10% on all CD's
*APY = Annual Percentage Yield