Member Resources

Current Rates


Savings & Checking Rates

(Effective January 18, 2013)

Account Type Minimum Dividend Rate APY*
Regular Shares $100 0.05% 0.05%
First State Saves $0 1.05% 1.05%
Holiday & Vacation
Club Accounts
$0 0.00% 0.00%
Money Market $0 - $25,000 0.20% 0.20%
$25,000.01 - $50,000 0.20% 0.20%
Over $50,000 0.20% 0.20%
Share Drafts $0 0.00% 0.00%
IRA** 0.25% 0.25%


Share Certificate Rates

(Effective April 26, 2013)

Account Type Minimum Dividend Rate APY*
Six Months $500 0.20% 0.20%
$10,000 0.20% 0.20%
12 Months $500 0.25% 0.25%
$10,000 0.35% 0.35%
24 Months $500 0.35% 0.35%
$10,000 0.45% 0.45%
36 Months $500 0.50% 0.50%
$10,000 0.70% 0.70%
Rates are subject to change without notice.

*Annual Percentage Yield
**Variable Rate - Changes the first Tuesday of the month. (Index-26 week T Bill)

Your savings are federally insured up to at least $250,000 and back by the full faith and credit of the United States Government; by the National Credit Union Administration a U.S. Government Agency.

Traditional and Roth Individual Retirement Accounts (IRAs) are now insured in the aggregate up to $250,000 by the NCUA.


Loan Rates

(Effective March 26, 2014)

Loan Type Approx. Terms Approx. PMT
per $1000
APR*
Signature Loan -
$1000-$10,000
Up to 24 months
 
 
Up to 36 months
 
 
Up to 48 months
$44.33-$49.95
 
 
$31.35-$36.18
 
 
$25.62-$29.40
  6.00%-18.00%
 
  8.00%-18.00%
 
10.50%-18.00%
New And Used Automobile
 
 
 
 
 
 
 
 
 
 
 
Loan Amount over $30,000
0-36 mos
 
 
37-48 mos
 
 
49-60 mos
 
 
61-72 mos
 
 
73-84 mos
$28.43-$36.17
 
 
$21.61-$22.80
 
 
$17.53-$25.41
 
 
$14.97-$22.82
 
 
$12.99-$21.04
 1.49%-18.00% 
 
 1.79%-18.00%
 
 1.99%-18.00%
 
 2.49%-18.00%
 
 2.49%-18.00%
Over Draft Protection Up to 12 mo $100.00 18.00%
Share Secured Up to 120 mo $10.12  4.00%
VISA Platinum Rewards
Card Credit Card
n/a

3% of Balance  7.99%-18.00%
 

 

Home Equity Rates

(Effective July 1, 2013)

Loan Type Approx. Terms Approx. PMT
per $1000
APR*
HELOC** Variable Rate LOC
70%LTV
Up to 120 mo
$10.25
@4.25%APR
WSJ Prime**
Plus 1%
Second Mortgage
5 Years
 
 
7 Years
 
 
10 Years
80%LTV
Up to 60 mo
 
 
Up to 84 mo
 
 
Up to 120 mo
 
$19.34-$22.76
 
$14.86-$18.47
 
$12.14-$16.14
 
6.00%-12.00%
 
 
6.50%-12.50%
 
 
8.00%-14.00%
First Lien Home Equity-Fixed Rate
5 Years
 
 
7 Years
 
 
10 Years
80%LTV
 
Up to 60 mo
 
 
Up to 84 mo
 
 
Up to 120 mo
 
 
$18.31-$21.62
 
$13.67-$17.12
 
$10.61-
$14.35
 
 
3.75%- 10.75%
 
 
4.00%-11.00%
 
 
5.00%-12.00%
 
*Annual Percentage Rate
**Prime Rate as posted in the Wall Street Journal. Your rate is based on your personal credit file.
NMLS ID 809838