Rates

Fee Schedule | Calculators | Loan Application

SHARE (SAVINGS RATES)
Type of AccountDividend RateAnnual Percentage Yield APY* as of 8/14/2020
SHARE SAVINGS, YOUTH SAVINGS & SUB-SHARES DIVIDEND RATE
(Balances equal to or in excess of $100.00)
0.15%0.15%
IRA & COVERDELL ESA SHARES
(Balances equal to or in excess of $100.00)
0.30%0.30%
MONEY MARKET SHARE Account Tier Rates
(Minimum of $2,500.00 Deposit)
$2,500.00 to $24,999.990.30%0.30%
$25,000.00 to $49,999.990.40%0.40%
$50,000.00 TO $99,999.990.50%0.50%
OVER $100,000.000.60%0.60%

SHARE (DRAFT) CHECKING
Daily BalanceDividend RateAPY
0 to $999.990.00%0.00%
$1,000.00 to $9,999.990.10%0.10%
$10,000.00 to $49,999.990.20%0.20%
$50,000.00 and greater0.30%0.30%

SHARE CERTIFICATES OF DEPOSITMinimum of $1,000 Deposit as of 8/14/2020
Type of AccountDividend RateAPY*
6-MONTH CERTIFICATE
$1000.00 to $49,999.990.40%0.40%
$50,000.00 to $99,999.990.50%0.50%
$100,000.00 and over0.60%0.60%
12-MONTH CERTIFICATE
$1000.00 to $49,999.990.55%0.55%
$50,000.00 to $99,999.990.65%0.65%
$100,000.00 and over0.75%0.75%
24-MONTH CERTIFICATE
$1000.00 to $49,999.990.70%0.70%
$50,000.00 to $99,999.990.80%0.80%
$100,000.00 and over0.90%0.90%
36-MONTH CERTIFICATE
$1000.00 to $49,999.990.75%0.75%
$50,000.00 to $99,999.990.85%0.85%
$100,000.00 and over0.95%0.95%
48-MONTH CERTIFICATE
$1000.00 to $49,999.990.85%0.85%
$50,000.00 to $99,999.990.95%0.95%
$100,000.00 and over1.05%1.06%
60-MONTH CERTIFICATE
$1000.00 to $49,999.990.90%0.90%
$50,000.00 to $99,999.991.00%1.01%
$100,000.00 and over1.10%1.12%

IRA & ESA CERTIFICATES OF DEPOSITMinimum of $1,000 Deposit as of 8/14/2020
Type of AccountDividend RateAPY*
12-MONTH CERTIFICATE
$1000.00 to $49,999.990.55%0.55%
$50,000.00 to $99,999.990.65%0.65%
$100,000.00 and over0.75%0.75%
24-MONTH CERTIFICATE
$1000.00 to $49,999.990.70%0.70%
$50,000.00 to $99,999.990.80%0.80%
$100,000.00 and over0.90%0.90%
36-MONTH CERTIFICATE
$1000.00 to $49,999.990.75%0.75%
$50,000.00 to $99,999.990.85%0.85%
$100,000.00 and over0.95%0.95%
48-MONTH CERTIFICATE
$1000.00 to $49,999.990.85%0.85%
$50,000.00 to $99,999.990.95%0.95%
$100,000.00 and over1.05%1.06%
60-MONTH CERTIFICATE
$1000.00 to $49,999.990.90%0.90%
$50,000.00 to $99,999.991.00%1.01%
$100,000.00 and over1.10%1.12%

YOUTH MINI CERTIFICATES OF DEPOSITMembers ages 17 and under As of 8/14/2020
Type of AccountDividend RateAPY*
$250-$1,000 for 12 months0.75%0.75%
$250-$1,000 for 24 months0.90%0.90%

All loan rates and approval are subject to term, collateral and credit history. Rates expressed as *Annual Percentage Rate as of 8/14/2020
Vehicle Model YearMaximum TermAPR*
Rates offered
as low as
NEW VEHICLES
2019 & Newer
361.99%
481.99%
602.59%
722.94%
843.44%
USED VEHICLES
2015-2018
361.99%
481.99%
602.59
723.44%
USED VEHICLES
2013-2014
363.49%
483.79%
603.99%
USED VEHICLES
2012 & Older
364.49%
484.74%

SECURED LOANSAll loan rates and approval are subject to term, collateral and credit history. Rates expressed as *Annual Percentage Rate.
Secured Loans (RV's/Boats/Campers/Motorcycles and other titled motor vehicles)Maximum Term (in months)APR* Rates offered as low as
No minimum loan amount604.24%
Minimum loan amount of $15,000724.49%
Minimum loan amount of $15,000844.99%
Minimum loan amount of $20,0001205.99%
Minimum loan amount of $25,0001806.99%

OTHER TYPES OF LOANSAll loan rates and approval are subject to term, collateral and credit history. Rates expressed as *Annual Percentage Rate.
Type Of LoanMaximum TermAPR* as of 8/14/2020
rates offered as low as
IMAGINE LOAN
Money for anything you can Imagine.
(Fixed term)
12 months8.40%
24 months9.40%
36 months10.40%
48 months11.40%
60 months13.40%
EASY ACCESS LINE OF CREDIT
(Open End)
10.90%
SHARE SECURED LOANRate + 2%
CERTIFICATE SECURED LOANTerm of certificateRate + 2%

REAL ESTATE LOANSAll loan rates and approval are subject to term, collateral and credit history. Rates expressed as *Annual Percentage Rate.
Type of LoanMaximum TermAPR* as of 8/14/2020
Rates offered
as low as
HOME EQUITY PLUS LINE OF CREDIT
(Open End)
180 months5.00% - Floor
HOME EQUITY
(Fixed term - up to 90% Loan to Value)
Up to 60 months3.24%
61-84 months3.49%
85-120 months3.99%
121–180 months4.74%
FIRST MORTGAGE
(Up to 80% Loan to Value)
180 monthsCall for current rates.
515-243-2677
FIRST MORTGAGE PURCHASE LOANS360 monthsCall for current rates.
515-243-2677

CREDIT CARDSAll loan rates and approval are subject to term, collateral and credit history. Rates expressed as *Annual Percentage Rate.
Type of CardAPR*
Rates offered
as low as
MasterCard Classic8.90%-14.90%
Cash-Back Rewards MasterCard9.49%-11.49%