Rates

Savings Rates

Annual Percentage Yield (APY)

Dividend Rate

Tiers

Membership Savings and
Additional Savings

0.25%
0.45%

0.25%
0.45%

$0 - $499
$500

Money Market Savings
(Founding Members, add
0.10% to Yield)

0.50%
0.60%
0.75%
0.95%

0.50%
0.60%
0.75%
0.95%

$3,000 - $9,999
$10,000 - $24,999
$25,000 - $49,999
$50,000+

Coverdell Education
Savings - Money Market

2.25%

2.27%

All balances

Dividend rates and Annual Percentage Yields may change after account is opened. Dividends will be compounded and paid quarterly on March 31, June 30, September 30 and December 31 of each year. If you close your account before dividends are paid, you will not receive the accrued dividends. Dividends are calculated on the average daily balance method which applies a periodic rate to the average daily balance in the account for the period. Dividends will begin to accrue on the business day of your deposit. Pursuant to Federal Regulations, the Membership Savings Account, Sub-Savings Account, Founding Member Account, and Coverdell Education Account may have no more than six (6) preauthorized, automatic, or telephone transfers to another account of yours or to a third party in any month.

Checking Rates

Annual Percentage Yield

Dividend Rate

Tiers

Checking

0.00%
0.25%

0.00%
0.25%

$0 - $499
$500+

Regular Certificates

Minimum Balance

Dividend Rate

APY*

Comments

6 month

$1,000

1.00%

1.00%

6 month

$1,000

1.10%

1.10%

Founding Member

12 month

$1,000

1.09%

1.09%

12 month

$1,000

1.19%

1.20%

Founding Member

24 month

$1,000

1.49%

1.50%

24 month

$1,000

1.59%

1.60%

Founding Member

36 month

$1,000

1.89%

1.90%

36 month

$1,000

1.99%

2.01%

Founding Member

48 month

$1,000

2.09%

2.11%

48 month

$1,000

2.19%

2.21%

Founding Member

Saving Saints

Minimum Balance

Dividend Rate

APY*

Comments

6 month

$200

2.50%

2.52%

Additional deposits allowed

Rates subject to change without notice. Early withdrawal penalty applies to all certificates.

Certificate Penalty for Early Withdrawal

Up to 11 months

30 days interest

12 to 23 months

60 days interest

24 months and over

90 days interest

Loan Rates

Rate/APR

Term

New Autos

Fixed Rate

as low as 3.99%

To 5 years

Used Autos

Fixed Rate

as low as 4.99%

To 5 years

Boats & RVs

Fixed Rate

as low as 6.49%

To 10 years

Rate

Comments

Line of Credit

Variable Rate

as low as 8.25%

Prime Rate +4. Rate changes quarterly.

Signature Loan

 Fixed Rate

as low as 9.00%

To 6 years

Adoption Loan

 Fixed Rate

as low as 6.00%

 To 6 years

Home Equity Line of Credit

Variable Rate

as low as 4.25%

10 year expiration. Based on Prime Rate. Rate changes quarterly.

Home Equity Loan

Fixed Rate

as low as 6.00%

Up to 15 year term. Rate based on Loan-to-Value of property, term, and credit history.

*If you qualify for a lower rate somewhere else, give us a chance to match it.
***Rates and terms are based on an individual's credit worthiness. All rates are based on term. All loans are subject to credit approval.
Rates quoted includes automatic payment. Rates 0.25% higher without automatic payments. Rates subject to change at any time.
*Closing costs cover title report, flood search, filing fees and taxes. Additional charge may apply if appraisal is needed to qualify for loan.

Schedule of Fees

Non-Sufficient Funds

$23

Overdraft Fee

$23

Late Fee on Loan Payment

5% of minimum payment

Abandoned Account Fee

$15

ATM/Check Card Replacement Fee

$5

ATM Card Fees

$1 after 6 free per month