Please Note: APY (Annual Percentage Yield) is calculated based on the dividends being added to the account balance each month.  Also, early withdrawal penalties may be assessed on Share Certificate’s/IRA’s for withdrawals prior to maturity.

Effective 01/13/2014 and subject to change without notice

Loan Rates
New Vehicles-Fixed As low as 2.51% APR*
New Vehicles-Variable Prime Minus 0.50% APR
Used Vehicles-Fixed As low as 3.51% APR*
Used Vehicles-Variable Prime Plus 0.50% APR
New RV & Boats <72 months 5.00% APR
New RV & Boats 73-120 months 6.00% APR
Used RV & Boats <72 months 5.50% APR
Used RV & Boats 73-120 months 6.50% APR
New Motorcycles/ATVs/Snowmobiles As low as 4.01% APR
Used Motorcycles/ATV/Snowmobile As low as 5.01% APR
Share and Share Certificate Secured 2.50% above rate earned on deposit, and floor rate of 4.00% APR
Unsecured As low as 7.00% APR*
Overdraft Protection LOC 15.00% APR
Farm Operation -Fixed 4.75% APR
Farm Operation -Variable Prime Plus 0.50% APR with a floor rate of 4.00%.
Farm/Personal Equipment As low as 3.50% APR
Closed End Crop Livestock 4.00% APR
Home Equity Line of Credit Adjustable rate mortgage prime plus 0.25%, 7% Floor
Junior Lien Mortgage – Primary Residence 7.50% APR
Primary Resident Real Estate Call for Quote for Terms Over 12 Years
Fixed 1st Mortgage up to 66 months (Primary Residence) 4.00% APR
Fixed 1st Mortgage up to 144 months (Primary Residence) 4.50% APR
Bare Ground Same as primary residence
1st Lien Commercial Property 6.00% APR
Construction Loan 8.00% APR
VISA
Classic 13.9% APR
Platinum 9.90% APR
Share Secured 6.80% APR

APY (Annual Percentage Yield) is calculated based on the dividends being added to the account balance each month.  Early withdrawal penalties may be assessed on Share Certificate’s/IRA’s for withdrawals prior to maturity.

Annual Percentage Yields (APY)
All rate/yields are effective 06/11/2013 and are subject to change at any time.
Account Type APY Terms
Membership Share – Average Balance
$0.00 – $249.99 0.00 % N/A
$250.00 – $9,999.99 0.10 % N/A
$10,000 – $19,999.99 0.10 % N/A
$20,000.00 – $49,999.99 0.15% N/A
$50,000.00 & Over 0.20% N/A
Lifesavers Youth Share Account – Average Balance
$0.01-$999.99 0.30% N/A
$1,000-$9,999.99 0.50% N/A
$10,000 & Over 0.85% N/A
Christmas Club Account
$0.01 and Over 0.25% Annual
IRA Savings Account – Average Balance
$0.00-$249.99 0.00% N/A
$250-$9,999.99 0.10% N/A
$10,000-$19,999.99 0.10% N/A
$20,000-$49,999.99 0.15% N/A
$50,000 & Over 0.20% N/A
Health Savings Accounts (HSA) – Average Balance
$0.01-$999.99 1.00% N/A
$1,000-$24,999.99 1.26% N/A
$25,000 & Over 1.51% N/A
Basic Checking Account – Average Balance
$0 & Over 0% N/A
E-Checking Account (Personal) – Average Balance
$0-$999.99 0% N/A
$1,000-$9,999.99 0.05% N/A
$10,000-$19,999.99 0.10% N/A
$20,000-$49,999.99 0.15% N/A
$50,000 & Over 0.20% N/A
E-Checking Account (Non-Personal) – Average Balance
$0-$999.99 0% N/A
$1,000-$9,999.99 0% N/A
$10,000-$19,999.99 0.10% N/A
$20,000-$49,999.99 0.15% N/A
$50,000 & Over 0.20% N/A
Money Management Account With a Relationship- Avg. Balance
$0.01-$9,999.99 0.20% N/A
$10,000-$24,999.99 0.25% N/A
$25,000-$49,999.99 0.36% N/A
$50,000-$99,999.99 0.42% N/A
$100,000 & Over 0.50% N/A
Money Management Account Without a Relationship- Avg. Balance
$0.01-$9,999.99 0.10% N/A
$10,000-$24,999.99 0.17% N/A
$25,000-$49,999.99 0.28% N/A
$50,000-$99,999.99 0.34% N/A
$100,000 & Over 0.34% N/A

* $25.00 minimum deposit to open e-Checking and Basic Checking Accounts. Maintenance and/or activity fees could reduce earnings on all Share Accounts. APY (Annual Percentage Yield) for all Share Accounts is calculated based on the dividends being added to the account balance each month.  APY (Annual Percentage Yield) is calculated based on the dividends being added to the account balance each month.  Early withdrawal penalties may be assessed on Share Certificate’s/IRA’s for withdrawals prior to maturity.

All rate/yields are effective 6/11/2013 and are subject to change at any time.
$1k-$4,999.99 $5k-$9,999.99 $10k-$24,999.99 $25,000+
TERMS APY APY APY APY
12 Months 0.24% 0.26% 0.26% 0.27%
24 Months 0.43% 0.48% 0.49% 0.51%
36 Months 0.62% 0.62% 0.63% 0.65%
48 Months 0.87% 0.98% 1.00% 1.04%

APY (Annual Percentage Yield) is calculated based on the dividends being added to the account balance each month.  Early withdrawal penalties may be assessed on Share Certificate’s/IRA’s for withdrawals prior to maturity.

All rate/yields are effective 6/11/2013 and are subject to change at any time.
$1k-$4,999.99 $5k-$9,999.99 $10k-$24,999.99 $25,000+
TERMS APY APY APY APY
12 Months 0.24% 0.26% 0.26% 0.27%
24 Months 0.43% 0.48% 0.49% 0.51%
36 Months 0.62% 0.62% 0.63% 0.65%
48 Months 0.87% 0.98% 1.00% 1.04%

APY (Annual Percentage Yield) is calculated based on the dividends being added to the account balance each month.  Early withdrawal penalties may be assessed on Share Certificate’s/IRA’s for withdrawals prior to maturity.