Rates

Fee Schedule | Calculators | Loan Application

SHARE (SAVINGS RATES)
Type of AccountDividend RateAnnual Percentage Yield APY* as of 3/26/2020
SHARE SAVINGS, YOUTH SAVINGS & SUB-SHARES DIVIDEND RATE
(Balances equal to or in excess of $100.00)
0.25%0.25%
IRA & COVERDELL ESA SHARES
(Balances equal to or in excess of $100.00)
0.50%0.50%
MONEY MARKET SHARE Account Tier Rates
(Minimum of $2,500.00 Deposit)
$2,500.00 to $24,999.990.50%0.50%
$25,000.00 to $49,999.99.65%.65%
$50,000.00 TO $99,999.99.95%.95%
OVER $100,000.001.10%1.11%

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 3/26/2020
Type of AccountDividend RateAPY*
6-MONTH CERTIFICATE
$1000.00 to $49,999.990.80%0.80%
$50,000.00 to $99,999.991.05%1.06%
$100,000.00 and over1.30%1.31%
12-MONTH CERTIFICATE
$1000.00 to $49,999.991.00%1.00%
$50,000.00 to $99,999.991.25%1.26%
$100,000.00 and over1.50%1.51%
24-MONTH CERTIFICATE
$1000.00 to $49,999.991.10%1.11%
$50,000.00 to $99,999.991.35%1.36%
$100,000.00 and over1.55%1.56%
36-MONTH CERTIFICATE
$1000.00 to $49,999.991.20%1.21%
$50,000.00 to $99,999.991.45%1.46%
$100,000.00 and over1.65%1.66%
48-MONTH CERTIFICATE
$1000.00 to $49,999.991.30%1.31%
$50,000.00 to $99,999.991.50%1.51%
$100,000.00 and over1.70%1.71%
60-MONTH CERTIFICATE
$1000.00 to $49,999.991.55%1.56%
$50,000.00 to $99,999.991.75%1.76%
$100,000.00 and over1.95%1.97%

IRA & ESA CERTIFICATES OF DEPOSITMinimum of $1,000 Deposit as of 3/26/2020
Type of AccountDividend RateAPY*
12-MONTH CERTIFICATE
$1000.00 to $49,999.991.00%1.00%
$50,000.00 to $99,999.991.25%1.26%
$100,000.00 and over1.50%1.51%
24-MONTH CERTIFICATE
$1000.00 to $49,999.991.10%1.11%
$50,000.00 to $99,999.991.35%1.36%
$100,000.00 and over1.55%1.56%
36-MONTH CERTIFICATE
$1000.00 to $49,999.991.20%1.21%
$50,000.00 to $99,999.991.45%1.46%
$100,000.00 and over1.65%1.66%
48-MONTH CERTIFICATE
$1000.00 to $49,999.991.30%1.31%
$50,000.00 to $99,999.991.50%1.51%
$100,000.00 and over1.70%1.71%
60-MONTH CERTIFICATE
$1000.00 to $49,999.991.55%1.56%
$50,000.00 to $99,999.991.75%1.76%
$100,000.00 and over1.95%1.97%

YOUTH MINI CERTIFICATES OF DEPOSITMembers ages 17 and under As of 3/26/2020
Type of AccountDividend RateAPY*
$250-$1,000 for 12 months1.50%1.51%
$250-$1,000 for 24 months1.55%1.56%

All loan rates and approval are subject to term, collateral and credit history. Rates expressed as *Annual Percentage Rate as of 3/26/2020
Vehicle Model YearMaximum TermAPR*
Rates offered
as low as
NEW VEHICLES
2019 & Newer
362.49%
482.74%
602.84%
722.94%
843.44%
USED VEHICLES
2015-2018
362.74%
482.84%
602.94%
723.44%
USED VEHICLES
2013-2014
363.49%
483.79%
604.24%
USED VEHICLES
2012 & Older
364.79%
484.99%

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 amount604.49%
Minimum loan amount of $15,000724.99%
Minimum loan amount of $15,000845.24%
Minimum loan amount of $20,0001205.99%
Minimum loan amount of $25,0001807.59%

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 3/26/2020
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 3/26/2020
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 months3.49%
61-84 months3.74%
85-120 months3.99
121–180 months4.99%
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%