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Rates

Loan Rates

Savings Rates

Certificate Rates

Loan Rates

Vehicle Loans
Loan Product TermNon-Variable APR
Vehicles New and Used Up to 48 Months* 3.25% to 8.75%
Vehicles New and Used Up to 72 Months* 3.75% to 9.25%
Vehicles New and Used Up to 96 Months* 4.75% to 10.25%
Vehicles New and Used Up to 144 Months* 6.00% to 11.50%
*Maximum terms based on amount financed - up to 120% loan to value. For loans of $40,001 and up, we have 15 year terms with 12 year balloon payments available.
Classic Cars (20 years or older) Up to 48 Months** 4.50% to 9.00%
Classic Cars (20 years or older) Up to 72 Months** 5.00% to 9.50%
**Maximum term based on amount financed - up to 90% loan to value.

Recreational Vehicles & Boats
Loan Product TermNon-Variable APR
RV/Boats New and Used Up to 48 Months*** 4.90% to 9.40%
RV/Boats New and Used Up to 72 Months*** 5.25% to 9.75%
RV/Boats New and Used Up to 96 Months*** 6.25% to 10.75%
RV/Boats New and Used Up to 144 Months*** 7.50% to 12.00%
***Maximum terms based on amount financed - up to 120% loan to value. For loans of $40,001 and up, we have up to 15 year amortization with 12 year balloon payment terms available.

Off Road Vehicles/Motorcycles
Loan Product TermNon-Variable APR
Off Road Vehicles Up to 48 Months**** 6.90 to 11.40%
Off Road Vehicles Up to 72 Months**** 7.25% to 11.75%
Off Road Vehicles Up to 96 Months**** 8.25% to 12.75%
Motorcycle Up to 48 Months**** 4.65% to 9.15%
Motorcycle Up to 72 Months**** 5.00% to 9.50%
Motorcycle Up to 96 Months**** 6.00% to 10.50%
****New and used off road vehicles, jet skis, snowmobiles maximum terms based on amount financed - up to 90% loan to value. Motorcycles maximum terms based on amount financed - up to 110% loan to value.

Share Secured Loans
Loan Product TermNon-Variable APR
Share/Certificate Secured Flexible Payback schedule***** 3.00% Above Share/Certificate Rate
*****Minimum amount financed for share/certificate secured: $500. Maximum terms based on amount financed.

Personal Loans & All Visa Credit Cards
Loan Product TermNon-Variable APR
Signature Loan Up to 60 Months 13.00% - 18.00%
Preferred Partner Loan****** 12 Months 15.00%
Timeline Revolving 12.00% to 15.00%
Timeline Elite Revolving 9.99%
Visa Classic Revolving 13.50%
Visa Platinum Revolving 9.00%
Sound Savers Visa Revolving 13.50%
Youth Visa Revolving 16.00%
******Preferred Business Partner Loan: $500 Maximum, Payroll deduction required. Timeline maximum credit line = $3,500. Timeline Elite maximum credit line = $10,000. VISA Classic maximum credit limit = $10,000. VISA Platinum maximum credit limit = $15,000. Annual fee on Platinum Card is $25 (Waived the first year).


*APR = Annual Percentage Rate. Rates are subject to credit rating, some restrictions apply. All loans based upon approval of credit (OAC). All rates are subject to change without notice. Rates effective as of 3/9/2018

Savings Rates

Savings Rates
Account TypeMinimum Balance APYDividend Rate
Savings $300 0.15% 0.150%
Youth Savings (Under 18) $10 0.17% 0.170%
Possibilities Account $0.00 0.20% 0.200%
*All savings rates include Secondary Savings Accounts. Possibilities accounts allow only 2 withdrawals per year. All savings dividends are paid quarterly.

IRA Savings Rates
Account TypeMinimum Balance APYDividend Rate
Traditional, Roth, Coverdell $100 0.30% 0.300%
Traditional, Roth, Coverdell $5,000 0.45% 0.450%
Traditional, Roth, Coverdell $10,000 0.48% 0.480%
Health Savings Account (HSA) $10.00 N/A N/A
Health Savings Account (HSA) $300 0.15% 0.150%
*All IRA and HSA savings dividends are paid quarterly.

Money Market Rates
Account TypeMinimum Balance APYDividend Rate
Money Market $750 0.15% 0.150%
Money Market $3,000 0.17% 0.170%
Money Market $10,000 0.25% 0.250%
Money Market $50,000 0.30% 0.300%
*Money Market dividends are paid monthly.


*APY = Annual Percentage Yield. APR = Annual Percentage Rate. All dividends may vary and are not declared until the end of the period. Dividends are calculated based on the daily ending balance in the account. Rates effective as of March 12, 2018

Certificates

Certificate Rates
TermMinimum Balance APYDividend Rate
6 Months $500 0.40% 0.400%
12 Months $500 0.65% 0.649%
24 Months $500 0.70% 0.698%
36 Months $500 0.95% 0.947%
60 Months $500 1.43% 1.423%
*The 6 and 12 month CDs allow 1 additional deposit during the term of the CD.

IRA Certificates
TermMinimum Balance APYDividend Rate
6 Months $500 0.45% 0.450%
12 Months $500 0.83% 0.827%
*All IRA CDs are auto renewing. IRA CD dividends are paid monthly.

Youth Certificates
TermMinimum Balance APYDividend Rate
12 Months $100 0.65% 0.649%
*The Youth CD allows up to 2 deposits or monthly payroll deductions.

Bump Option Certificates
TermMinimum Balance APYDividend Rate
24 Months $500 0.66% 0.659%
36 Months $500 0.94% 0.937%
60 Months $500 1.28% 1.274%
*Bump Option CDs allow a single bump to the current rate during the term of the CD.


*APY = Annual Percentage Yield. APR = Annual Percentage Rate. Certificate dividends are paid monthly. CD early withdrawal penalty: 6 - 12 month CDs = loss of 90 days dividends, 24 - 60 month CDs = loss of 180 days dividends. Rates effective as of March 12, 2018

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