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All Rates

Deposit Rates

Savings
Effective Date: November 1, 2024
Product TypeMinimum Balance**Dividend RateAPY*Dividend PeriodTerm**
IRA Variable Savings $100 0.20% 0.20% M 1 Month
IRA Fixed Certificates $500 4.00% 4.06% Q 1 Year
IRA Fixed Certificates $500 3.50% 3.55% Q 2 Year
IRA Fixed Certificates $500 3.00% 3.03% Q 3 Year
IRA Fixed Certificates $500 3.15% 3.19% Q 5 Year
Regular Savings $100 - $2000 0.05% 0.05% Q Day In/Day Out
Regular Shares $2,005+ 0.10% 0.10% Q Day In/Day Out
Special Savings $100 0.05% 0.05% Q 3 Months
Regular Checking $250 0.05% 0.05% M Day In/Day Out
High-Tide Checking
(Money Market)		 $2,500 - $24,999 0.40% 0.40% M Day In/Day Out
High-Tide Checking
(Money Market)		 $25,000 - $99,999 0.50% 0.50% M Day In/Day Out
High-Tide Checking
(Money Market)		 $100,000+ ​​​​​​​0.60% ​​​​​​​0.60% M Day In/Day Out

*APY = Annual Percentage Yield
**There may be a penalty for early withdrawal for:

1.  Early withdrawal or
2.  Not maintaining a minimum balance

Rates Effective November 1, 2024

Certificates
Effective Date: Thursday, November 21st, 2024
TypeMinimum DepositDividend RateAPYDividend PeriodTerm**
Share Certificates $500 4.50% 4.59% M 6 months**
Share Certificates $500 4.00% 4.07% M 1 year**
Share Certificates $500 3.50% 3.56% M 2 years**
Share Certificates $500 3.35% 3.40% M 3 years**
Share Certificates $500 3.25% 3.30% M 4 years**
Share Certificates $500 3.15% 3.20% M 5 years**
Jumbo Certificates *$100,000 *Add .10% to Regular Share Rates  —  — *Subject to Early Withdrawal Penalty

*May Add .10% To Regular Certificate Rate
**Subject to early withdrawal penalty

Rates Effective November 1, 2024    

Loan Rates

Vehicle Loans
Effective Date: November 1, 2024
*APR = Annual Percentage Rate
TermA+ Credit*A Credit*B Credit*C Credit*D Credit*E Credit*
0-36 Months 4.59% 5.29% 5.59% 5.99% 14.59% 15.29%
37-48 Months 5.29% 5.59% 5.99% 6.59% 15.29% 15.59%
49-60 Months 5.59% 5.99% 6.59% 6.99% 15.59% 16.29%
61-75 Months 5.99% 6.59% 6.99% 7.49% 16.29% 16.59%
76-84 Months 6.59% 6.99% 7.49% 7.99% 16.59% 17.29%
Rates Effective November 1, 2024

Motorcycle Loans
*APR = Annual Percentage Rate
TermA+ Credit*A Credit*B Credit*C Credit*D Credit*E Credit*
0-36 Months 5.49% 5.74% 6.09% 6.24% 12.74% 13.84%
37-48 Months 5.74% 6.09% 6.24% 6.49% 13.84% 14.14%
49-60 Months 6.09% 6.24% 6.49% 6.74% 14.14% 14.75%
Rates Effective November 1, 2024

New and Used Camper/RV Loans
*APR = Annual Percentage Rate
TermA+ Credit*A Credit*B Credit*C Credit*D Credit*E Credit*
0-180 Months 8.49% 9.09% 9.29% 10.25% 16.74% 17.74%
Rates Effective November 1, 2024

New and Used Boat Loans
*APR = Annual Percentage Rate
TermA+ Credit*A Credit*B Credit*C Credit*D Credit*E Credit*
0-120 Months 8.49% 9.09% 9.29% 10.25% 16.74% 17.74%
Rates Effective November 1, 2024

New and Used Farm Equipment Loans
*APR = Annual Percentage Rate
TermA+ Credit*A Credit*B Credit*C Credit*D Credit*
0-120 Months 6.99% 7.24% 7.49% 7.74% 16.74%
Rates Effective November 1, 2024

Share Secured Loans
*APR = Annual Percentage Rate
Term*APR
0-36 Months 3.25%
37-72 Months 5.25%
Rates Effective November 1, 2024

CD Secured Loans
*APR = Annual Percentage Rate
*APR
2.5% Over CD Rate
Rates Effective November 1, 2024

Signature Loans
AmountRate
Up to $25,000 As Low As 9.90%
Rates Effective November 1, 2024

Visa Card Loans
TypeRateAmount
Visa Platinum 13.9% $5,000
Platinum Plus 11.9% $10,000
Certificate Secured Visa 6.5% Certificate $
Feel Free 8.9% $10,000
Rates Effective November 1, 2024

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