Rates and Fees
Investment Rates
| Account | APR* | APY** |
|---|---|---|
| Money Market Checking | 0.75% | 0.75% |
| Share Savings | 0.20% | 0.20% |
Loan Rates
Rates updated 3/13/2025
| Type of Loan | Starting APR* | Term (months) |
|---|---|---|
| New or Used Auto Up to 10 years old | 5.25% | Up to 66 |
| 5.75% | Up to 72 | |
| 6.25% | Up to 84 | |
| 7.25% | Up to 96 | |
| Older Used Autos | 7.50% | Up to 66 |
| Antique Autos- 20 years or older | 8.00% | Up to 66 |
| New Motorcycle | 6.00% | Up to 84 |
| Used Motorcycle | 8.00% | Up to 60 |
| New 4-wheelers, Jet Skis, Golf Carts, Mules. | 6.00% | Up to 66 |
| Used 4-wheelers, Jet Skis, Golf Carts, Mules. | 7.50% | Up to 60 |
| 0–1 year-old Boats | 6.50% | Up to 120 |
| Used Boat | 7.50% | Up to 72 |
| 0–1 year-old Campers | 6.75% | Up to 144 |
| Used Camper | 7.75% | Up to 120 |
| 0–1 year-old Tractors, Horse trailers | 7.25% | Up to 120 |
| Used Tractor, Horse Trailers | 7.75% | Up to 72 |
| Lawn & Garden, Furniture, Generators | 7.50% | Up to 60 |
| Shared Secured | 3.00% above shares | Up to 96 |
| Personal Loan up to $7.500.00 | 10.00% | Up to 60 |
| Personal Loan with Collateral up to $15,000.00 | 11.00% | Up to 72 |
| Credit Cards require a 600 Beacon | 9.00% | Monthly |
| Vacation, Christmas Loans- limit $1000.00 mthly pmt $100.00 | 9.00% | Up to 12 |
Fee Schedule
| Type | Fee |
|---|---|
| Membership Business Share | $100.00 Minimum Opening Deposit |
| Membership Fee | $1.00 |
Share Draft Account Fees |
|
| Membership Business Share Draft | $100.00 Minimum Opening Deposit |
| Overdraft Transfer Fee | $3.00 |
| NSF and Courtesy Pay Fee | $32.00 |
| Returned Check Fee | $15.00 |
| Stop Payment Fee | $32.00 |
| ACH Manual Posting Fee | $5.00 |
Other Service Fees (applicable to all accounts) |
|
| Account Reconciliation Fee | $15.00 per hour |
| Account Research Fee | $15.00 per hour |
| Statement Copy Fee | $1.00 per page |
| Incoming and Outgoing Fax Fee | $3.00 for 1st 5 pages, then $1.00 per page |
| Wire Transfer (incoming) Fee | $15.00 |
| Wire Transfer (outgoing) Fee | $25.00 |
| Money Order Fee | $1.00 each |
| Account Closure Fee | $5.00 if closed within 6 months |
| Account Reopen Fee | $5.00 if reopened within 6 months |
| Dormant Account Fee | $5.00 per month |
| Incorrect Address Fee | $2.50 per item |
| Official Check Withdrawal Fee | $2.00 per check |
| Copy of Paid Draft Fee | $3.00 per copy |
| Deposits to any other Financial Institution Fee | $10.00 |
| Personal Copies over 5 pages Fee | $0.25 each page |
| 2 Day Ship for Credit or Debit Cards Fee | $55.00 |
| Duplicate Debit or Credit Card Fee | $5.00 |
| Levy and Garnishment Fee | $50.00 |
Dividend Rates are based on earnings and can change at any time without notice.