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Vehicle, Motorcycle and Boat LoansEffective as of July 31, 2014
Maximum TermRates As Low AsPayments per $1000
2009 to 2014
36 Months2.990% APR$29.08
48 Months2.990% APR$22.14
60 Months2.990% APR$17.97
72 Months3.490% APR$15.41
2006 to 2008
36 Months3.190% APR$29.17
48 Months3.990% APR$22.57
60 Months4.240% APR$18.53
2005 & Older
36 Months4.990% APR$29.97
48 Months6.990% APR$23.95

For 72 months term, vehicle value must be at least $16,000. *APR is Annual Percentage Rate. Annual percentage rates subject to change. Your actual rate is determined by your credit score.

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Recreational Vehicle LoansEffective as of July 1, 2014
Maximum TermRates As Low AsPayments per $1000
120 Months14.50% APR$10.36
60 Month Balloon2
(180 month amortization)
3.99% APR$7.39

*APR is Annual Percentage Rate. Annual percentage rates subject to change. Your actual rate is determined by your credit score.
All loans must be fully secured. 1Vehicle value must be at least $15,000.
2Vehicle value must be at least $20,000. A $20,000 loan, amortized over 180 months, would yield 59 payments of $147.84 and a balloon payment of $14,756.42.
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Personal LoansEffective as of July 1, 2014
TermLoan TypeRates As Low AsPayments per $1,000
60 MonthsSignature Loan10.990% APR$21.74

* APR is Annual Percentage Rate. Annual percentage rates subject to change. Your actual rate is determined by your credit score.


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Line of CreditEffective as of July 1, 2014
Loan TypeTermAPRPayments per $1,000
Kwik Cash Line of Credit48 Months9.990%$25.37

*APR is Annual Percentage Rate. Annual percentage rate on Kwik Cash line of credit may change at any time. Kwik Cash line of credit has no annual fee.


Home LoansEffective as of July 1, 2014
Loan TypeTermRatesAPRLoan To Value RatioPayments per $1,000
3-Year Adjustable Rate Home Loan-Indexed130 Years2.250%2.758%80%More Info
5-Year Adjustable Rate Home Loan-Indexed130 Years2.650%2.819%80%More Info
7-Year Adjustable Rate Home Loan-Indexed130 Years3.490%3.183%80%More Info
Fixed Rate Home Loan10 Years3.375%3.484%80%$9.84
Fixed Rate Home Loan15 Years3.750%3.826%80%$7.30
Home Equity Loan60 Months4.800%4.800%80%$18.79
Second Home Loan - 3 year balloon215 Years4.390%4.390%80%$7.60
Home Equity Line of Credit3N/A4.000%4.000%80%N/A


1The APR, interest rate, principle, and interest payment are subject to increase and can change after the loan is closed due to market-driven changes to the index.

2Assumes a $100,000 mortgage with a 15-year amortization and 35 monthly payments of $800.38
followed by one payment of $85,645.89.

3Minimum line amount is $5,000. Closing costs range from $130.00-$400.00. Rate may increase after consummation. Rate is tied to an index, the Prime Rate as published in the Wall Street Journal. Ask for current index value. Maximum rate is 18% and minimum rate is 4%. Property insurance is required. Minimum payment is 1% of the outstanding balance or $50.00, whichever is greater. Tax deductibility is subject to IRS guidelines.

*APR is Annual Percentage Rate. Rates subject to change at any time. Subject to credit approval. Membership required. APR will vary based on your final loan amount and finance charges.
 

Term Share CertificatesEffective as of July 1, 2014
Minimum DepositTermDividend RateAPY
$50090 Days0.200%0.200%
$5006 Months0.400%0.400%
$50012 Months0.650%0.650%
$50018 Months0.850%0.850%
$50024 Months1.000%1.000%
$50030 Months1.000%1.000%
$50036 Months1.190%1.200%
$50048 Months1.390%1.400%
$50060 Months1.490%1.500%

*APY is Annual Percentage Yield. Annual percentage yields subject to change. A penalty may be imposed for early withdrawal.
 

Individual Retirement Accounts (IRAs)Effective as of July 1, 2014
Minimum DepositTermDividend RateAPY
$0Variable0.400%0.400%
$50090 Days0.200%0.200%
$5006 Months0.400%0.400%
$50012 Months0.650%0.650%
$50018 Months0.850%0.850%
$50024 Months1.000%1.000%
$50036 Months1.190%1.200%
$50048 Months1.390%1.400%
$50060 Months1.490%1.500%


*APY is Annual Percentage Yield. Dividend rates and annual percentage yields are subject to change. Dividend rates and annual percentage yields on the Variable IRA share account may change at any time. A penalty may be imposed for early withdrawal of the 6-, 12-, 18-, 24-, 36-, 48- and 60-month and 90-day IRA term share certificates.


 

Money Market AccountsEffective as of July 1, 2014
Minimum DepositDividend Rate without CheckingAPY without CheckingDividend Rate with CheckingAPY with Checking
$2,5000.250%0.250%0.250%0.250%
$10,0000.270%0.270%0.270%0.270%
$15,0000.300%0.300%0.400%0.400%
$25,0000.350%0.350%0.450%0.450%
$75,0000.400%0.400%0.500%0.500%

*APY is Annual Percentage Yield. Dividend rates and annual percentage yields are subject to change at any time. Fees may reduce earnings.


Savings and Checking AccountsEffective as of July 1, 2014
Account TypeDividend RateAPY
Regular Savings0.200%0.200%
Christmas Savings0.200%0.200%
Property Tax Savings0.200%0.200%
Sub Share Savings0.200%0.200%
Vacation Savings0.200%0.200%
Prom Club0.200%0.200%
Health Savings0.850%0.850%
Moola Moola Kids' Club0.200%0.200%
Serious Savings0.200%0.200%
Checking Plus0.100%0.100%

*APY is Annual Percentage Yield. Dividend rates and annual percentage yields are subject to change at any time. Fees may reduce earnings. The minimum balance required to open a Regular Savings, Moola Moola Kids' Club or Serious Savings account is $5 (one share).