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ROUTING# 275982801
Deposit Rates
Loan Rates
Credit Card Rates
Mortgage & Home Equity Rates
Fees
Deposit Rates
Savings
Type
Minimum Balance
Dividend Rate
APY
1
Membership & Regular Savings
$100
0.80
0.80
Youth Savings
$25
0.80
0.80
Holiday Club
$25
0.80
0.80
Health Savings Account
None
1.00
1.00
More information on Savings
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IRA Money Market Accounts (Traditional, Roth or Coverdell Education Savings Account)
Type
Minimum Balance
Dividend Rate
APY
1
Member's Choice IRA Money Market (with active checking*)
2
$2,000,000
3.98
4.05
Member's Choice IRA Money Market (with active checking*)
2
$750,000
3.93
4.00
Member's Choice IRA Money Market (with active checking*)
2
$500,000
3.69
3.75
Member's Choice IRA Money Market (with active checking*)
2
$300,000
3.45
3.50
Member's Choice IRA Money Market (with active checking*)
2
$150,000
2.96
3.00
Member's Choice IRA Money Market (with active checking*)
2
$75,000
1.98
2.00
Member's Choice IRA Money Market (without checking)
2
$150,000
1.14
1.15
Member's Choice IRA Money Market (without checking)
2
$75,000
1.00
1.00
Ultimate IRA Money Market
3
$15,000
1.05
1.05
Affordable IRA Money Market
4
$7,500
0.90
0.90
More information on IRA Money Markets
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Member's Choice Money Market
Type
Minimum Balance
Dividend Rate
APY
1
With Active Checking*
2
$2,000,000
3.98
4.05
With Active Checking*
2
$750,000
3.93
4.00
With Active Checking*
2
$500,000
3.69
3.75
With Active Checking*
2
$300,000
3.45
3.50
With Active Checking*
2
$150,000
2.96
3.00
With Active Checking*
2
$75,000
1.98
2.00
Without Checking
2
$150,000
1.14
1.15
Without Checking
2
$75,000
1.00
1.00
More information on Money Markets
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Ultimate Money Market
Type
Minimum Balance
Dividend Rate
APY
1
Ultimate Money Market
2
$15,000
1.05
1.05
More information on Money Markets
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Affordable Money Market
Type
Minimum Balance
Dividend Rate
APY
1
Affordable Money Market
2
$7,500
0.90
0.90
More information on Money Markets
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Certificates
Type
Minimum Balance
Dividend Rate
APY
1
CD Special: 4 Month
$5,000
4.65
4.75
CD Special: 10 Month
$5,000
4.51
4.60
3 Month
$2,500
2.96
3.00
6 Month
$2,500
3.20
3.25
1 Year
$1,000
3.74
3.80
18 Month
$1,000
3.83
3.90
2 Year
$1,000
3.93
4.00
3 Year
$1,000
4.03
4.10
5 Year
$1,000
4.03
4.10
More information on Certificates
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IRA Certificates
Type
Minimum Balance
Dividend Rate
APY
1
IRA CD Special: 4 Month
$5,000
4.67
4.75
IRA CD Special: 10 Month
$5,000
4.52
4.60
1 Year
$1,000
3.75
3.80
18 Month
$1,000
3.84
3.90
2 Year
$1,000
3.94
4.00
3 Year
$1,000
4.04
4.10
5 Year
$1,000
4.04
4.10
More information on Certificates
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IRA Accounts
Type
Minimum Balance
Dividend Rate
APY
1
Accumulator IRA
None
0.80
0.80
More information on IRA accounts
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Checking Accounts
Type
Minimum Balance
Dividend Rate
APY
1
Member's Choice Checking
All Balances
2
0.35
0.35
Direct Benefit & Regular Checking
$5,000+
0.25
0.25
Direct Benefit & Regular Checking
$500 - $4,999.99
0.15
0.15
Free Checking
$0
0.00
0.00
More information on Checking accounts
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Business Checking
Type
Minimum Balance
Dividend Rate
APY
1
Tier 1
$2,500
0.20
0.20
Tier 2
$25,000
0.30
0.30
Tier 3
$50,000
0.40
0.40
More information on Business Banking
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Loan Rates
Auto and Motorcycle – 2023 & Newer
Term
APR
1
(as low as)
Monthly Payment
2
36 months
5.250
$30.08
48 months
5.250
$23.14
60 months
5.250
$18.99
72 months
5.500
$16.34
84 months
3
6.500
$14.85
More information on Auto & Motorcycles
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Auto and Motorcycle – 2018 to 2022
Term
APR
1
(as low as)
Monthly Payment
2
36 months
5.250
$30.08
48 months
3
5.250
$23.14
60 months
4
5.250
$18.99
66 months
4
5.250
$17.48
72 months
5
5.500
$16.34
More information on Auto & Motorcycles
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Auto and Motorcycle – 2015 to 2017
Term
APR
1
(as low as)
Monthly Payment
2
24 months
6.250
$44.43
36 months
6.250
$30.54
48 months
6.500
$23.71
More information on Auto & Motorcycles
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Boats and RVs – 2018 & Newer
Term
APR
1
(as low as)
Monthly Payment
2
36 months
5.250
$30.08
48 months
3
5.250
$23.14
60 months
4
5.250
$18.99
66 months
4
5.250
$17.48
72 months
5
5.500
$16.34
72 months - up to 120 mo. amortization
5,
6
5.500
$10.85
72 months - up to 180 mo. amortization
5,
6,
7
5.500
$8.17
More information on Boats & RVs
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Boats and RVs – 2015 to 2017
Term
APR
1
(as low as)
Monthly Payment
2
24 months
6.250
$44.43
36 months
6.250
$30.54
48 months
6.500
$23.71
More information on Boats & RVs
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Powersports – 2018 & Newer
Term
APR
1
(as low as)
Monthly Payment
2
24 months
5.250
$43.98
36 months
5.250
$30.08
48 months
5.250
$23.14
60 months
3
5.250
$18.99
More information on Powersports
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Powersports – 2015 to 2017
Term
APR
1
(as low as)
Monthly Payment
2
24 months
6.250
$44.43
36 months
6.250
$30.54
48 months
6.500
$23.71
More information on Powersports
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Homeowners Xpress Personal Loan
Term
APR
1
(as low as)
Monthly Payment
2
Up to 120 months
3
8.99
$12.66
More information on Homeowners Xpress
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Personal Signature Loan
Term
APR
1
(as low as)
Monthly Payment
2
Up to 36 months
10.49
$32.50
Up to 48 months
10.74
$25.72
Up to 60 months
10.99
$21.74
More information on Signature Loan
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Kwik Cash Line of Credit
APR
1
(as low as)
Monthly Payment
2
13.90
$40.00
More information on Kwik Cash Line of Credit
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Credit Card Rates
Cash Back Visa Signature Credit Card
Type
APR
1
(as low as)
Visa®
16.00
More information on Cash Back Visa Signature Credit Card
Great Rate Platinum Credit Card
Type
APR
1
(as low as)
MasterCard® or Visa®
8.99
More information on Great Rate Credit Card
Great Rewards Platinum Credit Card
Type
APR
1
(as low as)
MasterCard® or Visa®
10.99
More information on Great Rewards Credit Card
Student Starter Credit Card
Type
APR
1
(as low as)
MasterCard® or Visa®
9.99
More information on Student Starter Credit Card
Credit Builder Credit Card
Type
APR
1
(as low as)
Visa®
15.99
More information on Credit Builder Credit Card
Mortgage & Home Equity Rates
We offer other traditional Fixed or Adjustable Rate First Mortgage rate and term options.
See All Mortgage Rates
Home Equity Loan
Term
Note Rate (as low as)
APR
1
(as low as)
Monthly Payment
2
6 years
5.490
5.614
$5.67
More information on Home Equity Loan
Home Equity Line of Credit
Type
Term
APR
1
(as low as)
Monthly Payment
2
Line of Credit
3
Up to 10 year draw period
7.750
$15.00
More information on Home Equity Loan
First Mortgage Balloon
Note Rate (as low as)
Term
APR
1
(as low as)
Monthly Payment
2
5.490
6 years (up to 30 year amortization)
5.614
$5.67
More information on First Mortgage Balloon
10 Year Lock It Loan
Note Rate (as low as)
Term
APR
1
(as low as)
Monthly Payment
2
5.990
10 years (up to 30 year amortization)
6.065
$5.99
More information on the 10 Year Lock It Loan
10 & Done Home Loan
Note Rate (as low as)
Term
APR
1
(as low as)
Monthly Payment
2
5.375
10 years
5.419
$10.79
We offer other traditional Fixed or Adjustable Rate First Mortgage rate and term options.
See All Mortgage Rates
Fees
Checking Account Fees
Overdraft Fee
$25 per occurrence (Maximum of 6/day)
Overdraft Transfer Fee
None
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® Debit Card Fees
Transactions
Free unlimited transactions at all POS or merchant terminals
Card Replacement Fee
$5
Overdraft Fee
$25 per occurrence
ATM Out-of-State Transactions
$2 each
International Fee
None
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