LOANS & SAvings 

AUTO LOANS

TERM	APR
24 months	3.50% to 17.50% APR
36 months	3.50% to 17.50% APR
48 months	3.50% to 17.50% APR
60 months	3.50% to 17.50% APR
72 months (min $15,000)	3.50% to 17.50% APR
84 months (min $25,000)	4.50% to 5.50% APR
Recreational Vehicle	6.25% to 17.50% APR

*Amount financed percentages shown above, plus tax, title, license, GAP, and extended warranty is available to all qualified borrowers and is based on MSRP of new autos or NADA retail value for used autos. 
*Annual Percentage Yield. In order to obtain the disclosed APY, you must maintain the minimum required balance in your account each day for this account. 

SHARE ACCOUNT dividends

AMOUNT BORROWED	APR	APY
$100 - $499.99	0.10% APR	0.10% APY
$500.00+	0.20% APR	0.20% APY

*Same rates apply for Secondary Share Account Dividends.
*Annual Percentage Yield. In order to obtain the disclosed APY, you must maintain the minimum required balance in your account each day for this account. 

Certificates of Deposit

PERIOD	APR	APY
6 months	0.85% APR	0.853% APY
12 months	1.25% APR	1.256% APY

$1,000 minimum*****CD Secured rate is 3.0% above current CD rate.
*Annual Percentage Yield. In order to obtain the disclosed APY, you must maintain the minimum required balance in your account each day for this account. 

Signature loans

Loan Type	APR
Signature Loan	8.75% to 17.5% APR
Share Secured Loan	4.0% APR
Line of Credit ($300-$5,000)	14.0% to 17.5% APR
Credit Builder	10.0% APR

*Up to $5,000 for 24 months; over $5,000-$10,000 for 36 months; over $10,000-$20,000 for 60 months. 

Visa credit card

Visa Card Type	APR
Gold	7.90% APR
Secured Visa	12.0% APR

Other accounts

PERIOD	APR	APY
Money Market ($1,000 minimum)	0.25%  APR	0.25% APY
Christmas Club	0.40%  APR	0.401% APY
Reward Checking (65+, no fees, >$500)	0.0% APR	0.0% APY
Reward Plus Checking (65+, no fees, >$2,000)	0.50% APR	0.50% APY

*Reward Checking and Reward Plus Checking will receive one free box of checks per year. 
*Annual Percentage Yield. In order to obtain the disclosed APY, you must maintain the minimum required balance in your account each day for this account.