Rates

Effective November 1, 2026
Rates subject to change without notice.

Savings & Club Accounts

AMOUNT	ANNUAL PERCENTAGE RATE	ANNUAL PERCENTAGE YIELD
$100.00 – $4,999.99	0.05% APR	0.05% APY
$5,000.00 – $9,999.99	0.10% APR	0.10% APY
$10,000.00 and over	0.25% APR	0.25% APY

$100.00 Minimum Average Daily Balance Required to Earn Interest.

INTEREST BEARING CHECKING Accounts

AMOUNT	ANNUAL PERCENTAGE RATE	ANNUAL PERCENTAGE YIELD
$100.00 – $4,999.99	0.05% APR	0.05% APY
$5,000.00 – $9,999.99	0.10% APR	0.10% APY
$10,000.00 and over	0.25% APR	0.25% APY

$100.00 Minimum Average Daily Balance Required to Earn Interest.

cERTIFICATE OF DEPOSIT

TERM	ANNUAL PERCENTAGE RATE	ANNUAL PERCENTAGE YIELD
180 Days	4.00% APR	4.07% APY
1 Year	4.25% APR	4.33% APY
2 Years	4.50% APR	4.59% APY
3 Years	4.75% APR	4.86% APY

$1,000.00 Minimum Average Daily Balance Required to Earn Interest. An early withdrawal penalty may apply if terms of certificate are changed before the maturity date. Please call for details.

***ALL CERTIFICATE AND IRA CERTIFICATE RATES SUBJECT TO CHANGE DAILY***

ira cERTIFICATE OF DEPOSIT

TERM	ANNUAL PERCENTAGE RATE	ANNUAL PERCENTAGE YIELD
1 Year	4.25% APR	4.33% APY
2 Years	4.50% APR	4.59% APY
3 Years	4.75% APR	4.86% APY

$10.00 Minimum Average Daily Balance Required to Earn Interest. An early withdrawal penalty may apply for withdrawals before age 59-1/2. Please call for details.

***ALL CERTIFICATE AND IRA CERTIFICATE RATES SUBJECT TO CHANGE DAILY***

LOAN RATES

TYPE	TERM	RATE
Auto Loan	Up to 48 Months	3.50% – 17.99% APR
	49 Months – 60 Months	4.00% – 17.99% APR
	61 Months – 72 Months	4.50% – 17.99% APR
	73 Months – 84 Months	5.95% – 17.99% APR
Auto Refinance	Up to 48 Months	3.50% – 17.99% APR
	49 Months – 60 Months	4.00% – 17.99% APR
	61 Months – 72 Months	4.50% – 17.99% APR
	73 Months – 84 Months	5.95% – 17.99% APR
Boats, RVs & Travel Trailer Loans	Up to 72 Months	7.49% – 17.99% APR
Boats, RVs & Travel Trailer Loans	73 Months – 120 Months	8.49% – 17.99% APR
Other Collateralized Loans. e.g., Motorcycles	Up to 72 Months	7.49% – 17.99% APR
Other Collateralized Loans. e.g., Motorcycles	73 Months – 120 Months	8.49% – 17.99% APR
Classic Vehicles	Require 20% Down \| Up to 60 Months	5.49% – 17.99% APR
CD Secured Loan	Up to 90% of CD; Not to Exceed CD Term	3.00% over CD Rate
Shared Secured Loan	May Borrow up to $900	5.50% APR
Personal Loans		10.49% – 17.99% APR
Visa Platinum Credit Card	No Annual Fee	5.90% – 18.00% APR

APR – Annual Percentage Rate
Rates shown are the lowest available.