Rates

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Deposit Rates

Share Savings Accounts

Effective 11/18/2019

Account TypeRateAPYMin. Deposit to Open
Fat Cat0.750.75$5
Holiday Cash Club0.750.75$0
Money Market1.251.26$250
Share Savings0.500.50$25
Zard Savings0.750.75$25

APY: Annual Percentage Yield

Checking Accounts

Effective 11/18/2019

Account TypeRateAPYMin. Deposit to Open
Checking0.150.15None

APY: Annual Percentage Yield

Share Term Certificates

Effective 11/18/2019

Account TypeRateAPYTermMin. Deposit to Open
Share Term Certificate 61.751.756 months$250
Share Term Certificate 121.901.9012 months$250
Share Term Certificate 182.002.0018 months$250
Share Term Certificate 242.102.1024 months$250
Share Term Certificate 302.152.1530 months$250
Share Term Certificate 362.252.2536 months$250
Share Term Certificate 482.302.3048 months$250
Share Term Certificate 602.402.4060 months$250

Dividend Rates Information
Dividend rates on shares and IRAs have been set subject to the availability of funds. Dividends are paid from current income and available earnings, after required transfers to reserves at the end of a dividend period. Depending on options chosen, most accounts have modest service charges that could reduce net earnings. There is a penalty for early withdrawal from certificates. The dividends on all accounts except certificates are variable and may change at preset intervals after the account is opened. All depository services compound dividends daily, except Share Term Certificates. Initial/opening rates are subject to change without notice. Please call your local branch for current rates.

APY: Annual Percentage Yield

Individual Retirement Accounts (IRA)

Effective 11/18/2019

Account TypeRateAPY
Roth IRA2.252.28
SEP IRA2.252.28
Traditional IRA2.252.28

Dividend Rates Information
Dividend rates on shares and IRAs have been set subject to the availability of funds. Dividends are paid from current income and available earnings, after required transfers to reserves at the end of a dividend period. Depending on options chosen, most accounts have modest service charges that could reduce net earnings. There is a penalty for early withdrawal from certificates. The dividends on all accounts except certificates are variable and may change at preset intervals after the account is opened. All depository services compound dividends daily, except Share Term Certificates. Initial/opening rates are subject to change without notice. Please call your local branch for current rates.

APY: Annual Percentage Yield

Coverdell Education Savings Account

Effective 11/18/2019

Account TypeRateAPY
Coverdell Education Savings Account2.252.28

APY: Annual Percentage Yield

Health Savings Account

Effective 11/18/2019

Account TypeRateAPY
Health Savings Account2.252.28

APY: Annual Percentage Yield
 

Loan Rates

Auto Loans

Effective 10/21/2019

Account TypeAPR*Term
New Vehicle 363.75Up to 36 Months
New Vehicle 604.2537 to 60 Months
New Vehicle 724.5061 to 72 Months
New Vehicle 965.7573 to 96 Months
Used Vehicle4.50Up to 72 Months

Rates are subject to change without notice. Please check with a branch office for current rates. 

New vehicle is defined as prior, current or upcoming year model with 10,000 miles or less. May finance loan-to-value of 100% of MSRP plus an additional 10% for purchase-related expenses such as tax, tags and extended warranties.

Used vehicle may not be older than 10 years or have mileage in excess of 150,000 at time of loan origination. Vehicles that meet either of the following conditions are limited to a maximum term of 48 months: Model years between 6 and 10 years old, or mileage that exceeds 100,000 up to maximum of 150,000. May finance 100% of the NADA value, plus an additional 10% to cover other purchase-related expenses such as tax, tags and extended warranties.

*APR: Annual Percentage Rate

Credit Cards

Effective 10/21/2019

Account TypeAPR*
Visa® Credit Card11.25

Rates are subject to change without notice. Please check with a branch for current rates.

*APR: Annual Percentage Rate

Home Equity Line of Credit (HELOC)

Effective 10/30/2019

Account TypeAPR*
HELOC4.25

Initial/opening rates are subject to change without notice. Please check with a branch for current rates.

*APR: Annual Percentage Rate

Personal Loans

Effective 10/21/2019

Account TypeAPR*Term
Signature Personal Loan10.75Varies
Share Secured 245.00Up to 24 Months
Share Secured 485.5025 to 48 Months
Share Secured 1208.7549 to 120 Months
Term Note6.506 Months

Rates are subject to change without notice. Please check with a branch for current rates.

*APR: Annual Percentage Rate

Salary Advance Loan (SALO)

Effective 10/21/2019

Account TypeAPR*Term
SALO Cash Account less than $50013.75Open-end
SALO Cash Account ≥ $5007.25Open-end

*APR: Annual Percentage Rate. Rate subject to change. The APR cannot increase by more than 1% each quarter over the previous quarter and cannot exceed 18%. The APR is calculated by adding the index rate to the loan margin. When the Salary Advance Cash Account balance is at least $500, the loan margin is 5.25%. When the Salary Advance Cash Account balance is less than $500, the loan margin is 11.75%. The index rate is the 26-week Treasury Bill Rate set at the first auction held on or after the 15th day of the second month of the previous quarter adjusted up to the nearest ¼%. The index rate cannot be less than 0.25%.