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Savings
TypeMinimum BalanceDividend RateAPY1
Membership & Regular Savings$1000.250.25
Youth Savings $250.250.25
Holiday Club$250.250.25
Health Savings AccountNone1.051.06
IRA Money Market Accounts (Traditional, Roth or Coverdell Education Savings Account)
TypeMinimum BalanceDividend RateAPY1
Member's Choice Money Market (with active checking)$150,0001.141.15
Member's Choice Money Market (with active checking) 3$75,0000.850.85
Member's Choice Money Market (without checking)$150,0000.650.65
Member's Choice Money Market (without checking) 3$75,0000.450.45
Ultimate IRA Money Market 4$15,0000.600.60
Affordable Money Market 2$7,5000.400.40
Member's Choice Money Market
TypeMinimum BalanceDividend RateAPY1
With Active Checking 2$150,0001.141.15
With Active Checking 2$75,0000.850.85
Without Checking 2$150,0000.650.65
Without Checking 2$75,0000.450.45
More information on Money Markets

 
Ultimate Money Market
TypeMinimum BalanceDividend RateAPY1
Ultimate Money Market 2$15,0000.600.60
Affordable Money Market
TypeMinimum BalanceDividend RateAPY1
Affordable Money Market 2$7,5000.400.40
Certificates
TypeMinimum BalanceDividend RateAPY1
20 Month Certificate Special$10,0001.591.60
3 Month$2,5000.500.50
6 Month$2,5001.051.06
1 Year$1,0001.241.25
18 Month$1,0001.291.30
2 Year$1,0001.541.55
3 Year$1,0001.791.80
5 Year$1,0001.931.95
IRA Certificates
TypeMinimum BalanceDividend RateAPY1
20 Month Certificate Special$10,0001.591.60
1 Year $1,0001.241.25
18 Month$1,0001.291.30
2 Year$1,0001.541.55
3 Year$1,0001.791.80
5 Year$1,0001.941.95
IRA Accounts
TypeMinimum BalanceDividend RateAPY1
Accumulator IRA (Traditional & Roth Only)None0.350.35
Coverdell Education Savings Account None0.350.35
Checking Accounts
TypeMinimum BalanceDividend RateAPY1
Member's Choice CheckingAll Balances 20.250.25
Direct Benefit & Regular Checking$5,000+0.150.15
Direct Benefit & Regular Checking$500 - $4,999.990.050.05
Free Checking $00.000.00
Buisness Checking
TypeMinimum BalanceDividend RateAPY1
Tier 1$2,5000.050.05
Tier 2$25,0000.200.20
Tier 3$50,0000.300.30
More information on Business Banking
Auto and Motorcycle – 2019 & newer
TermAPR1 (as low as)Monthly Payment2
48 months2.74$22.02
60 months 2.74$17.85
66 months2.74$16.34
72 months 2.7415.08
84 months 33.74$13.55
Auto and Motorcycle – 2014 to 2018
TermAPR1 (as low as)Monthly Payment2
36 months2.7431.13
48 months 32.74$22.02
60 months 42.74$17.85
66 months 42.74$16.34
72 months 52.74$15.08
Auto and Motorcycle – 2011 to 2013
TermAPR1 (as low as)Monthly Payment2
24 months3.75$43.31
36 months3.75$29.41
48 months3.75$22.47
Boats and RVs – 2014 & newer
TermAPR1 (as low as)Monthly Payment2
36 months2.74$28.97
48 months 32.74$22.02
60 months 42.74$17.85
66 months 42.74$16.34
72 months 52.74$15.08
72 months - up to 120 mo. amortization 5,62.74$9.54
72 months - up to 180 mo. amortization 5,62.74$6.78
Boats and RVs – 2011 to 2013
TermAPR1 (as low as)Monthly Payment2
24 months3.75$43.31
36 months 3.75$29.41
48 months3.75$22.47
Powersports – 2014 & newer
TermAPR1 (as low as)Monthly Payment2
24 months 2.74$42.87
36 months 2.74$28.97
48 months 2.74$22.02
60 months 32.74$17.85
Powersports – 2011 to 2013
TermAPR1 (as low as)Monthly Payment2
24 months 3.75$43.31
36 months 3.75$29.41
48 months3.75$22.47
Homeowners Xpress Personal Loan
TermAPR1 (as low as)Monthly Payment2
Up to 84 months7.49$15.33
Personal Signature Loan
TypeTermAPR1 (as low as)Monthly Payment2
UnsecuredUp to 36 months9.74$32.15
More information on Signature Loan
Kwik Cash Line of Credit
APR1 (as low as)Monthly Payment2
13.90$40.00
More information on Kwik Cash Line of Credit 
Great Rate Platinum Credit Card
TypeAPR1 (as low as)
MasterCard® or Visa®8.99
More information on Great Rate Credit Card



 
Great Rewards Platinum Credit Card
TypeAPR1 (as low as)
MasterCard® or Visa®10.99
More information on Great Rewards Credit Card



 
Student Starter Credit Card
TypeAPR1 (as low as)
MasterCard® or Visa®9.99
More information on Student Starter Credit Card



 
Secured Credit Card
TypeAPR1 (as low as)
Visa®15.99
More information on Secured Credit Card



 
Home Equity Loan
TypeTermAPR1 (as low as)Monthly Payment2
Home Equity Loan6 years2.50$3.95
More information on Home Equity Loan



 
Home Equity Line of Credit
TypeTermAPR1 (as low as)Monthly Payment2
Line of Credit 3up to 10 year draw period4.00$15.00
More information on Home Equity Loan



 
First Mortgage Balloon
TermAPR1 (as low as)Monthly Payment2
6 years (up to 30 year amortization)2.50$3.95
More information on Home Equity Loan
 



 
10 Year Lock It Loan
TermAPR1 (as low as)Monthly Payment2
10 years (up to 30 year amortization) 3.25$4.35
 



 
10 & Done Home Loan
TermAPR1 (as low as)Monthly Payment2
10 years2.75$9.54



 

We offer other traditional Fixed or Adjustable Rate First Mortgage rate and term options.


 
Checking Account Fees
Overdraft Fee $25 per occurrence (Maximum of 6/day)
Overdraft Transfer Fee $12 per occurrence when transferred from savings
Returned Check Charge $12 per item on deposited items
ACH Return Fee $25
ACH Paper Return Fee $55
Stop Payment Fee $25
Account Closing Fee, within 30 days of account opening $10
Check Printing Varies by style
Check Copy Fee $2 per copy
Receipt Copy Fee $1 per copy
Account History Fee $1 per page
Account Reconciliation $15 per hour
Account Research Fee $15 per hour
Inactive Account Fee $2 per month
ATM Card & VISA® Check Card Fees
Transactions Free unlimited transactions at all POS or merchant terminals
Card or PIN Replacement Fee $5
Overdraft Fee $25 per occurrence 
ATM Out-of-State Transactions $2 each
International Fee A fee of 1.00% of the amount of the transaction, calculated in US dollars, will be imposed on all foreign transactions, including purchases, cash withdrawals, and credits to your account.
Miscellaneous Fees
Domestic Outgoing Wire Transfer $20
Domestic Incoming Wire Transfer $10
International Wire Transfer $100
Money Order Fee $1
Commercial Money Order Fee $40
Foreign Check Collection Fee $50
Cashiers Check Fee $1
Pop Money
Sent Via Delivery Time Amount Fee
Email Address or Mobile Phone Number 3 Day Delivery $0.00 - $249.99,  $250.00 - $999.99,  $1000.00 and more $0.50,  $0.75,  $1.50
Bank Account Information 3 Day Delivery $0.00 - $249.99,  $250.00 - $999.99,  $1000.00 and more $0.50,  $0.75,  $1.75
Email Address or Mobile Phone Number Next Day Delivery $0.00 - $249.99,  $250.00 - $999.99,  $1000.00 and more $0.85,  $1.00,  $2.00
Bank Account Information Next Day Delivery $0.00 - $249.99,  $250.00 - $999.99,  $1000.00 and more $0.85,  $1.00,  $2.00