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Rates Effective 12/1/2020

New/Program Vehicles 2019-2020 750+ Beacon Score

72 Months**Rates as low as2.95% APR***
66 MonthsRates as low as2.88% APR
60 MonthsRates as low as2.83% APR
48 MonthsRates as low as2.70% APR

Used Vehicles 2013 and newer

72 MonthsRates as low as3.60% APR
66 MonthsRates as low as3.53% APR
60 MonthsRates as low as3.48% APR
48 MonthsRates as low as3.35% APR


Used Vehicles 2012 or Older

60 MonthsRates as low as5.25% APR
48 MonthsRates as low as5.15% APR
36 MonthsRates as low as5.08% APR

*APR is Annual Percentage Rate. Rates, terms and conditions are subject to change and may vary based on creditworthiness, qualifications and collateral conditions.

**Sample repayment schedule does not include taxes and insurance premiums. All loans are subject to approval. ***Sample repayment schedule of a new auto: 72 monthly payments of $15.18 at 2.95% APR per $1,000 borrowed.

Consumer GoodsNew: As low as 8.14% APR up to 48 months.Used: As low as 7.64% APR up to 36 months.
Signature LoansAs low as 8.64% APR up to 30 months.As low as 8.14% APR up to 12 months
MasterCard10.99% APRNo annual fee, 25 day grace period
Overdraft Protection16.00% APRShare/Draft checking

Savings Rates*

AccountDividend RateAnnual Percentage Yield**
Membership (min $25).01.01%
Passbook (min $50).01.01%
Blue Chip (min $1000).02.02%
Premium Checking.01.01%
Youth Club Account0.150.15%

Share Certificates (CD’s)***

TermDividend RateAnnual Percentage Yield
3 months0.030.03%
6 months0.050.05%
12 months0.100.10%
24 months0.150.15%
36 months0.250.25%
48 months0.350.35%
60 months0.400.40%


  • IRA’s pay .10% above regular certificate rates
  • Share/draft Premium Checking Accounts receive when balances remain above $250.
  • *The Savings rates are subject to change after the account is opened without prior notice.
  • ***All certificates require a minimum of $100 to start unless otherwise noted.
  • Early withdrawal may result in penalties. Withdrawals may affect APY.
  • **APY is Annual Percentage Yield

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