Online Banking
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Share/Savings Accounts as of June 30, 2022
Share Accounts
 .01 Div. Rate .01 APY * $5 Minimum
Club Accounts
 .01 Div. Rate .01 APY * $5 Minimum

Money Market Accounts as of August 1, 2023
TIER 1 1.49 APR 1.50 APR $2500 Minimum $24999 Maximum
TIER 2 1.74 APR 1.75 APR $25000 Minimum $74999 Maximum
TIER 3 1.98 APR 2.00 APR $75000 Minimum

Share Certificate Accounts as of August 11, 2023
6 month CD 5.37 APR 5.50 APY $1000 Minimum
1 year CD 5.13 APR 5.25 APY $1000 Minimum
18 month CD 4.84 APR 4.95 APY $1000 Minimum
2 year CD 4.84 APR 4.95 APY $1000 Minimum
3 year CD 4.41 APR 4.50 APY $1000 Minimum
4 year CD 4.17 APR 4.25 APY $1000 Minimum
5 year CD 4.17 APR 4.25 APY $1000 Minimum

Share Draft Accounts
Checking (08) 0 APR 0 APY $5.00 minimum to earn dividend
  1. ANNUAL YIELD = (APY) = ANNUAL PERCENTAGE YIELD.
  2. RATE = (APR) = ANNUAL PERCENTAGE RATE.
  3. DIVIDENDS ARE CALCULATED ON THE AVERAGE DAILY BALANCE METHOD.
  4. DIVIDENDS ARE CALCULATED AND POSTED ON THE LAST DAY OF THE QUARTER, EXCEPT CHECKING, WHICH IS POSTED ON THE LAST DAY OF THE MONTH.
  5. NO DIVIDEND IS APPLIED TO ANY ACCOUNT THAT IS CLOSED PRIOR TO THE POSTING DATE.
  6. DIVIDENDS ARE PAID FROM AVAILABLE EARNINGS.
  7. YOU MUST MAINTAIN A MINIMUM DAILY BALANCE OF $5.00 IN YOUR ACCOUNT EACH DAY TO EARN A DIVIDEND.

Loan Accounts as of June 27, 2023
Unsecured Loans (Signature) – Personal Loans
First Year in the District 9.95% – 11.95% APR Up to 60 Months Maximum $1000 (With cosigner Maximum $3500)
2 or more years in the District 9.95% – 11.95% APR Up to 60 Months Maximum $20,000
Secured Loans
Share Secured Last Div + 2.00% APR Maximum term is 10 Years You may borrow up to 100% of your available Share balance
Auto Loans
New Car 6.25% APR* up to 84 Months $0 Minimum $60,000 Maximum 10 payments a year or 12 payments a year
Used Car:2022,2021,2020,2019 7.25% APR* up to 72 Months $0 Minimum $50,000 Maximum 100% of NADA Retail Value
Used Car 2018,2017,2016,2015 8.25% APR* up to 48 Months

$0 Minimum $45,000 Maximum 100% of NADA Retail Value
*If primary account holder has an Equifax score of 750+ your interest rate will be reduced by .5%

Home Equity Loans (Up to 80% loan to value)
Fixed Rate 6.75% APR

 

 5 Years $10,000 Minimum $100,000 Maximum
Fixed Rate 7.25% APR 10 Years

$10,000 Minimum $100,000 Maximum
Fixed Rate 7.75% APR 15 Years $10,000 Minimum $100,000 Maximum
Variable Rate Line of Credit (5 Year Draw Period)

Interest only payments required during draw period

Only pay on balance you are using

 8.00% APR ** 20 Years

$10,000 Minimum $100,000 Maximum, **Prime minus .25%. Prime rate is 8.25% as of 6/14/23. Rate changes when Prime changes.

Click here for Fees and Disclosures

RATES ARE SUBJECT TO CHANGE WITHOUT NOTICE

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As of 4:30 PM on Tuesday, November 28th, our system is still down.  We are hopeful that it will be restored shortly. We encourage you to continue checking back online to see if the system has been restored.  During the down period, online banking is not available.  Also, Visa Debit transactions are limited to $100 for withdrawal and $200 for purchase, $200 per day limit.  We apologize for this inconvenience.

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