Interest Checking (NOW)

$500

0.400%

0.40%

Monthly

Christmas Club

$5.00

0.500%

0.50%

Maturity

Individual Retirement Accounts

(IRA)

$500

CD Rates
Below Apply

Quarterly

Fees may reduce earnings.
Minimum opening balance required. Ask our Customer Service Representatives for more information.  Rates subject to change without notice.
**Ask about other options not insured by FDIC.

12-23 months

$1,000-9,999
$10,000-24,999
$25,000+

3.250%
3.250%
3.250%

3.29%
3.29%
3.29%

Quarterly

36-47 months

$1,000-9,999
$10,000-24,999
$25,000+

3.750%
3.750%
3.750%

3.80%
3.80%
3.80%

Quarterly

60 months

$1,000-9,999
$10,000-24,999
$25,000+

3.251%
3.325%
3.398%

3.29%
3.37%
3.44%

Quarterly

30 yr. Fixed

6.625%

6.670%

0%

15 yr. Fixed

6.000%

6.073%

0%

MSHDA

6.000%

6.930%

1%

We also offer MSHDA and Rural Development Loans. Contact the Retail Lending Department for more details. Interest rate on construction only loans will float at prime + 0 and be for a six month term. The end loan rate and term may be locked within 30 days of completion of construction. The Annual Percentage Rate (APR) includes: 30 days prepaid interest, closing fee, flood certification, 0.25% market condition fee, courier fees, credit report disclosure, points listed for each interest rate and all other applicable fees. APR assumes loan amount of $100,000 on all loans except Jumbos which assume $417,000.00 loan. Ask us about our Green loan rates.  All rates subject to change.

$10,000 - $49,999

10 Yr.

6.25%

6.25%

Example: A loan of $10,000 at a fixed rate of 6.25% for 10 years would have an estimated monthly payment of $100.51. This is 1% of the outstanding balance. Other fees may apply. Discounts are not available on the Fixed Home Equity Credit Line Loan. Ask about our Green loan rates. All rates subject to change.

$10,000 - $49,999

10 Yr.

Prime + 1/2%

5.50%

Example: A loan of $10,000 at Prime + ½% margin for 10 years would have an estimated monthly payment of $100.45. This is 1% of the outstanding balance. Prime is currently 5.00%. Other fees may apply. Ask us about our Green loan rates.  All rates subject to change.

20% Down Payment

60

Prime + 1.0%

6.128%

Example: A loan of $20,000.00 at Prime + 1% for 60 months with a $100.00 fee would have an estimated monthly interest payment only of $102.62. Prime is currently 5.00%. Other fees may apply. All rates subject to change.

2007-2008

72

6.950%

7.301%

2005

54

7.125%

7.591%

Example: A loan for $10,000 at 7.125% on a 2005 vehicle for 60 months with a $100.00 fee would have an estimated monthly payment of $200.61. Other fees may apply. Ask us about our Green loan rates.  All rates subject to change.

New

180

8.375%

8.459%

Example: A loan for $20,000.00 at 8.375% for 180 months with a $100.00 fee would have an estimated monthly payment of $196.45. Other fees may apply. All rates subject to change.

New

60

8.250%

9.098%

Example: A loan for $5,000.00 at 8.25% for 60 months with a $100.00 fee would have an estimated monthly payment of $104.03. Other fees may apply. All rates subject to change.