Savings Account Rates
Savings Accounts
Rates in effect as of October 13, 2024
| Savings Account | $5 | $5 | 0.20% | 0.20% | Monthly |
Christmas Saver
Rates in effect as of October 13, 2024
| Savings Account | $25.00 | $25 | 0.20% | 0.20% | Monthly |
IRA Savings
Rates in effect as of October 13, 2024
| IRA Savings Account | $25.00 | Balances $500.00 and over | 0.20% | 0.20% | Monthly |
Money Market Account
Rates in effect as of October 13, 2024
| $0.00 - $9,999.99 | 0.40% | 0.40% | Monthly |
| $10,000.00 - $24,999.99 | 0.60% | 0.60% | Monthly |
| $25,000+ | 0.80% | 0.80% | Monthly |
Vacation Saver
Rates in effect as of October 13, 2024
| Savings Account | $25.00 | $25 | 0.20% | 0.20% | Monthly |
Checking Account Rates
Checking Accounts*
Rates in effect as of October 13, 2024
| Checking Account | $25.00 | $25.00 | Balances $1,000.00 to $35,000.00 | 5.94% | 6.10% | Monthly |
| Checking Account | $25.00 | $25.00 | Balances $35,000.01 and up | 0.50% | 0.50% | Monthly |
Share Certificate Rates
Share Certificates
Rates in effect as of October 13, 2024
| Regular or IRA | Term Deposit -3 Months | $1,000.00 | $1,000.00 | 2.47% | 2.50% | Monthly |
| Regular or IRA | Term Deposit -6 Months | $1,000.00 | $1,000.00 | 3.93% | 4.00% | Monthly |
| Smart Teen | Term Deposit -6 Months | $250.00 | $250.00 | 3.93% | 4.00% | Monthly |
| Regular or IRA | Term Deposit -12 Months | $1,000.00 | $1,000.00 | 4.41% | 4.50% | Monthly |
| Regular or IRA | Term Deposit -18 Months | $1,000.00 | $1,000.00 | 3.45% | 3.50% | Monthly |
| Regular or IRA | Term Deposit -24 Months | $1,000.00 | $1,000.00 | 3.45% | 3.50% | Monthly |
| Regular or IRA | Term Deposit -3 Years | $1,000.00 | $1,000.00 | 3.45% | 3.50% | Monthly |
| Regular or IRA | Term Deposit -4 Years | $1,000.00 | $1,000.00 | 3.45% | 3.50% | Monthly |
| Regular or IRA | Term Deposit -5 Years | $1,000.00 | $1,000.00 | 3.45% | 3.50% | Monthly |
Business Account Rates
Business Savings Features and Fees:
Rates in effect as of October 13, 2024
| Description | Monthly Fee | Minimum Balance to Earn | Dividends Paid | |||
|---|---|---|---|---|---|---|
| Business Savings | No Monthly Fee | $5 | $0.00 - $499.99 | 0.20% | 0.20% | Monthly |
| Business Share Certificates | No Monthly Fee | $5,000 | $500.00 and Over | 0.20% | 0.20% | Monthly |
Business Checking
Rates in effect as of October 13, 2024
| Business Checking Account | $25.00 | $100.00 | Balances $1,000.00 to $35,000.00 | 5.94% | 6.10% | Monthly |
| Business Checking Account | $25.00 | $100.00 | Balances $35,000.01 and up | 0.50% | 0.50% | Monthly |
Business Flex Rates:
Rates in effect as of October 13, 2024
| $0.00 to $9,999.99 | 0.40% | 0.40% | Monthly |
| $10,000.00 – $24,999.99 | 0.60% | 0.60% | Monthly |
| $25,000+ | 0.80% | 0.80% | Monthly |
Business Share Certificates
Rates in effect as of October 13, 2024
| Regular | Term Deposit -3 Months | $5,000.00 | $5,000.00 | 2.47% | 2.50% | Monthly |
| Regular | Term Deposit -6 Months | $5,000.00 | $5,000.00 | 3.93% | 4.00% | Monthly |
| Regular | Term Deposit -12 Months | $5,000.00 | $5,000.00 | 4.41% | 4.50% | Monthly |
| Regular | Term Deposit -18 Months | $5,000.00 | $5,000.00 | 3.45% | 3.50% | Monthly |
| Regular | Term Deposit -24 Months | $5,000.00 | $5,000.00 | 3.45% | 3.50% | Monthly |
| Regular | Term Deposit -3 Years | $5,000.00 | $5,000.00 | 3.45% | 3.50% | Monthly |
| Regular | Term Deposit -4 Years | $5,000.00 | $5,000.00 | 3.45% | 3.50% | Monthly |
| Regular | Term Deposit -5 Years | $5,000.00 | $5,000.00 | 3.45% | 3.50% | Monthly |
*APY is Annual Percentage Yield. Account dividends are calculated daily on end of day balance, paid out monthly. Rates quoted and corresponding APY's are based on the last paid dividend rates and are subject to change monthly without notice and at the discretion of the Board of Directors. Rave Checking or Business Plus Checking balances of $1,000.00 – $35,000.00 earns 6.10% APY. $35,000.01 and up earns .50% APY. Terms and conditions subject to change. See our Truth in Savings Disclosure here.
Auto Loan Rates
Competitive Rates – New & Used Automobiles
Effective October 13, 2024 - rates as low as:
| 100% Financing | 24 Months | 5.25% |
| 100% Financing | 36 Months | 5.25% |
| 100% Financing | 48 Months | 5.25% |
| 100% Financing | 60 Months | 5.75% |
| 100% Financing | 66 Months | 6.00% |
| 100% Financing | 72 Months | 6.25% |
| 100% Financing | 78 Months | 6.50% |
| 100% Financing | 84 Months | 6.75% |
Personal Loan Rates
Personal Loans
Effective October 13, 2024 - Rates as low as:
| Personal | 60 Months | 12.00% |
| Flexible Line of Credit (Variable)* | N/A | 11.75% - 17.25% |
Mortgage Rates
Motorcycles/ATV
Motorcycles/ATV
Effective October 13, 2024 - Rates as low as:
| New & Used | 24 Months | 8.00% |
| New & Used | 36 Months | 8.00% |
| New & Used | 48 Months | 8.00% |
| New & Used | 60 Months | 8.75% |
| New & Used | 66 Months | 9.00% |
| New & Used | 72 Months | 9.25% |
Farm Equipment and Other Collateral Rates
Farm Equipment and Other Collateral
Effective October 13, 2024 - Rates as low as:
| New & Used | 24 Months | 8.50% |
| New & Used | 36 Months | 8.50% |
| New & Used | 48 Months | 8.50% |
| New & Used | 60 Months | 9.00% |
| New & Used | 66 Months | 9.50% |
| New & Used | 72 Months | 10.00% |