Interest Checking (NOW)

$500

0.050%

0.05%

Monthly

Passbook, EDISS, IRA

$100

0.100%

0.10%

Quarterly

Choice Account **

$3,000-9,999
$10,000-49,999
$50,000+

0.100%
0.100%
0.100%

0.10%
0.10%
0.10%

Monthly

Individual Retirement Accounts

(IRA) - Variable

$100

0.647%

0.65%

Quarterly

Fees may reduce earnings. 
 

The minimum initial deposit amounts apply to the following personal accounts: Green Rewards Checking $25, Prestige Checking and Prestige Plus Checking $500, Interest Checking $25, Health Savings Account $25, Choice Checking $3,000, Money Market Savings $2,500, Passbook Savings  $25, Everyday Interest Statement Savings $25, Christmas Club $5, Individual Retirement Accounts $500, Certificates of Deposit $1,000.  List not inclusive of all accounts.  Ask our Customer Service Representatives for more information.
 

*APY Annual Percentage Yield. 
 

**Ask about other options not insured by FDIC.
 

Rates subject to change without notice.
 

12-23 months

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

0.183%
0.246%
0.314%

0.18%
0.25%
0.31%

Quarterly

36-47 months

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

0.634%
0.700%
0.769%

0.64%
0.70%
0.77%

Quarterly

60 months

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

1.081%
1.152%
1.222%

1.09%
1.16%
1.23%

Quarterly

30 yr. Fixed

4.000%

4.069%

0%

15 yr. Fixed

3.250%

3.375%

0%

The Annual Percentage Rate (APR)  is based upon a $100,000.00 mortgage with a 20% down payment and includes the following finance charges:  30 days prepaid interest, closing fee, flood certification, credit score disclosures, courier fees, underwriting fees, application fee, points. The APR’s on a 30, 20, and 15 year fixed rates mortgage are subject to a .25% market condition fee.

Private Mortgage Insurance (PMI) may be required on any mortgage that exceeds 80% loan to value.

Jumbo mortgages assume loan amounts greater than $417,000.00.

We also offer MSHDA and Rural Development loans.  Contact  the Retail Lending Department for more details.  

All rates are subject to change.
 

$10,000 - $49,999

5 Yr.

6.25%

6.25%

Example:  A loan of $10,000 at a fixed rate of 6.25% for 5 years would have an estimated monthly payment of $100.51.  The payment is 1% of the outstanding balance.  A balloon payment may be due at maturity.  Other fees may apply.  Discounts are not available on the Fixed Home Equity Credit Line Loan.   The maximum loan to value cannot exceed 75% of the value of the home

Ask us about our Green loan rates.

All rates are subject to change. 
 

$10,000 - $49,999

5 Yr.

Prime + 1/2%

4.25%

Example:  A loan of $10,000 at Prime + 1/2% margin for 5 years would have would have an estimated monthly payment of $100.35.  The payment is 1% of the outstanding balance.  A balloon payment may be due at maturity. Prime is currently at 3.25%, and we have a floor of 4.25%. Other fees may apply.  The maximum loan to value cannot exceed 75% of the value of the home.

Ask us about our Green loan rates.

All rates are subject to change. 
 

50% Down Payment

60

Prime + 1.0%

6.159%

Example: A loan of $20,000.00 at Prime + 1% for 60 months with a $125.00 fee and a 20 year amortization would have an estimated monthly payment only of $143.32.. Prime is currently 3.25%, and we have a floor of 6.00% and a ceiling of 8.00%.. Other fees may apply. All rates subject to change.

2010-2012

60-72

4.750%

5.177%

2003-2005

30-42

7.000%

7.716%

Example: A loan for $10,000 at 5.250% on a 2005 vehicle for 54 months with a $125.00 fee would have an estimated monthly payment of $210.90. Other fees may apply. Ask us about our Green loan rates.  All rates subject to change.

New

180

8.375%

8.479%

Example: A loan for $20,000.00 at 8.375% for 180 months with a $125.00 fee would have an estimated monthly payment of $196.70. Other fees may apply. All rates subject to change.

New

60

8.250%

9.295%

Example: A loan for $5,000.00 at 8.25% for 60 months with a $125.00 fee would have an estimated monthly payment of $104.51. Other fees may apply. All rates subject to change.