Rates

Fee Schedule | Calculators | Loan Application

SHARE (SAVINGS RATES)
Type of AccountDividend RateAnnual Percentage Yield APY* as of 10/1/2019
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)
0.65%0.65%
MONEY MARKET SHARE Account Tier Rates
(Minimum of $2,500.00 Deposit)
$2,500.00 to $24,999.990.95%0.95%
$25,000.00 to $49,999.991.10%1.11%
$50,000.00 TO $99,999.991.40%1.41%
OVER $100,000.001.55%1.56%

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 10/1/2019
Type of AccountDividend RateAPY*
6-MONTH CERTIFICATE
$1000.00 to $49,999.991.00%1.01%
$50,000.00 to $99,999.991.25%1.26%
$100,000.00 and over1.50%1.51%
12-MONTH CERTIFICATE
$1000.00 to $49,999.991.35%1.36%
$50,000.00 to $99,999.991.60%1.61%
$100,000.00 and over1.85%1.87%
24-MONTH CERTIFICATE
$1000.00 to $49,999.991.95%1.97%
$50,000.00 to $99,999.992.15%2.17%
$100,000.00 and over2.35%2.38%
36-MONTH CERTIFICATE
$1000.00 to $49,999.992.40%2.43%
$50,000.00 to $99,999.992.45%2.48%
$100,000.00 and over2.50%2.53%
48-MONTH CERTIFICATE
$1000.00 to $49,999.992.60%2.63%
$50,000.00 to $99,999.992.65%2.68%
$100,000.00 and over2.70%2.73%
60-MONTH CERTIFICATE
$1000.00 to $49,999.992.80%2.84%
$50,000.00 to $99,999.992.85%2.89%
$100,000.00 and over2.90%2.94%

IRA & ESA CERTIFICATES OF DEPOSITMinimum of $1,000 Deposit as of 10/1/2019
Type of AccountDividend RateAPY*
12-MONTH CERTIFICATE
$1000.00 to $49,999.991.35%1.36%
$50,000.00 to $99,999.991.60%1.61%
$100,000.00 and over1.85%1.87%
24-MONTH CERTIFICATE
$1000.00 to $49,999.991.95%1.97%
$50,000.00 to $99,999.992.15%2.17%
$100,000.00 and over2.35%2.38%
36-MONTH CERTIFICATE
$1000.00 to $49,999.992.40%2.43%
$50,000.00 to $99,999.992.45%2.48%
$100,000.00 and over2.50%2.53%
48-MONTH CERTIFICATE
$1000.00 to $49,999.992.60%2.63%
$50,000.00 to $99,999.992.65%2.68%
$100,000.00 and over2.70%2.73%
60-MONTH CERTIFICATE
$1000.00 to $49,999.992.80%2.84%
$50,000.00 to $99,999.992.85%2.89%
$100,000.00 and over2.90%2.94%

YOUTH MINI CERTIFICATES OF DEPOSITMembers ages 17 and under As of 10/1/2019
Type of AccountDividend RateAPY*
$250-$1,000 for 12 months1.85%1.87%
$250-$1,000 for 24 months2.35%2.38%

All loan rates and approval are subject to term, collateral and credit history. Rates expressed as *Annual Percentage Rate.
Vehicle Model YearMaximum TermAPR*
Rates offered
as low as
NEW VEHICLES
2018 & Newer
363.24%
483.49%
603.74%
723.99%
844.49%
USED VEHICLES
2014-2017
363.49%
483.74%
603.99%
724.49%
USED VEHICLES
2012-2013
363.99%
484.29%
604.74%
USED VEHICLES
2011 & Older
366.29%
486.49%

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*
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 LOAN48 monthsRate + 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*
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 months3.99%
61-84 months4.24%
85-120 months4.49%
121–180 months5.49%
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%