Rates

Checking & Savings

ProductInterest Rate (%)Annual Percentage Yield*
Winner & Winner 50 +0.050.05
Super Now Account +0.100.10
Money Market Account +0.250.25
Statement Savings0.200.20
Passbook Savings0.200.20
Christmas Clubs – Book0.10 
Christmas Clubs – Auto Payment0.20 
All Purpose Clubs – Auto Payment0.20 

*APY is based on monthly compounding of interest. Rates are variable and subject to change without notice after account opening. Fees may reduce earnings.

+ Money Market and Super Now accounts require a minimum balance of $2,500 to earn the above rate. Winner and Winner 50 accounts earn interest on balances above $750.

Certificate of Deposits

Product Interest Rate (%)Annual Percentage Yield*
3 Months$2,500 – $5,0000.050.05
 $5,000 & over0.200.20
6 Months$2,500 – $5,0000.050.05
 $5,000 & over0.250.25
12 Months$500 – $5,0000.150.15
 $5,000 & over0.400.40
13 Months$500 – $2,5000.150.15
 $2,500 & over0.400.40
18 Months$500 – $5,0000.200.20
 $5,000 & over0.450.45
24 Months$500 – $5,0000.300.30
 $5,000 & over0.550.55
30 Months$500 – $5,0000.350.35
 $5,000 & over0.600.60
36 Months$500 – $5,0000.450.45
 $5,000 & over0.700.70
48 Months$500 – $5,0000.550.55
 $5,000 & over0.800.80
60 Months$500 – $5,0000.800.80
 $5,000 & over1.051.05
60 Months Prime$5,000 & over1.001.00
84 Months Prime$5,000 & over1.001.00

*APY is based on quarterly compounding of interest. If interest is withdrawn before maturity, APY will be lower. Penalties may apply for early withdrawal.

IRA Certificates of Deposit

IRA rates are now the same as above COD’s with a minimum term of 12 months and a maximum term of 60 months. All IRA Certificates of Deposit under $500 or adjustable rate certificates will be based on the current statement savings rate.

*APY is based on quarterly compounding of interest. If interest is withdrawn before maturity, APY will be lower. Penalties may apply for early withdrawal.

Turbo Plus Home Equity Line of Credit

Current rate is 5.00%.

Rate is equal to the Wall Street Prime Rate and is subject to change. The maximum APR is 18.00% and the maximum loan-to-value of 80%. Closing costs range from $255 to $450. Property Insurance is required. All loans are subject to credit approval.

Commercial Mortgages

Rates & terms are quoted on an individual basis.

Installment Loan Rates

Personal Loans

Loan TermInterest Rate (%)APR (%)PaymentsCost per $1,000
24 months11.75%11.778%24$46.97 per month
36 months12.25%12.271%36$33.34 per month
48 months12.75%12.763%48$26.71 per month
60 months13.25%13.267%60$22.89 per month

New Auto Loan

Loan TermInterest Rate (%)APR (%)PaymentsCost per $1,000
36 months4.50%4.507%36$29.75 per month
48 months4.75%4.758%48$22.92 per month
60 months5.00%4.997%60$18.87 per month
72 months5.25%5.248%72$16.22 per month

Used Auto Loan

Loan TermInterest Rate (%)APR (%)PaymentsCost per $1,000
24 months5.50%5.510%24$44.10 per month
36 months5.75%5.753%36$30.31 per month
48 months6.00%6.011%48$23.49 per month
60 months6.25%6.252%60$19.45 per month

All loans under $2,000 – 15.00%

All rates are effective as of 9/11/2019.