APR refers to the annual percentage rate or the dividend rate.

APY refers to the annual percentage yield.

Loan Rates

Rates as of 2/1/2012.
Rate Description Term Payment Description APR APR Type
New Vehicles, Motorcycles, Campers, and Boats 4 Years - Rates starting at 48 Monthly payments at $29.97 per thousand borrowed 2.99% Fixed
New Vehicles, Motorcycles, Campers, and Boats 5 Years - Rates starting at 60 Monthly payments at $23.26 per thousand borrowed 3.49% Fixed
New Vehicles, Motorcycles, Campers, and Boats 6 Years - Rates starting at 72 Monthly payments at $19.33 per thousand borrowed 3.99% Fixed
2008 -2012 Vehicles, Motorycles, Campers, and Boats 5 Years - Rates starting at 60 Monthly payments at $16.69 per thousand borrowed 4.49% Fixed
2005 -2007 Vehicles, Motorcycles, Campers, and Boats 4 Years - rates starting at 48 Monthly payments at $30.42 per $1000 borrowed 4.49% Fixed
2005 -2007 Vehicles, Motorcycles, Campers, and Boats 54 Month - Rates starting at 54 Monthly payments at $23.60 per thousand borrowed 5.49% Fixed
2004 and Older Vehicles, Motorcycles, Campers, and Boats 3 Years - Rates starting at 36 Monthly payments at $19.68 per thousand borrowed 5.49% Fixed
Home Equity Line of Credit Fixed up to 1 Year-Prime thereafter $15.00 per thousand borrowed - $75.00 minimum 3.90% Variable
New ATVs, Snowmobiles, Personal Watercraft 4 Years - rates starting at 48 Monthly payments at $6.74 per thousand borrowed at 20 yrs 4.99% Fixed
New ATVs, Snowmobiles, Personal Watercraft 5 Years - Rates starting at 60 Monthly payments at $7.02 per thousand borrowed at 20 yrs 5.99% Fixed
Used ATVs, Snowmobiles, Personal Watercraft 4 Years - rates starting at 48 Monthly payments at $14.85 per thousand borrowed 6.49% Fixed
Personal Loans Up to 36 Months - starting at 36 Monthly payments at $23.83 per thousand borrowed 12.00% Fixed
*Annual Percentage Rate. Rate based on your credit history. Your actual rate may be higher.
*Rates as low as

Certificates

Rates as of 2/1/2012.
Rate Description Term Dividend Rates APY
$5000 Minimum Share Certificate 3 Months 0.20% 0.20%
$5000 Minimum Share Certificae 6 or 9 Months 0.25% 0.25%
$5000 Minimum Share Certificate 12 or 18 Months 0.45% 0.45%
$5000 Minimum Share Certificate 2 Years 0.65% 0.65%
$5000 Minimum Share Certificate 3 Years 0.85% 0.85%
$5,000 Minimum Share Certificate 4 Years 1.30% 1.30%
$1000 Minimum Share Certificate 3 Months 0.15% 0.15%
$1000 Minimum Share Certificate 6 or 9 Months 0.20% 0.20%
$1000 Minimum Share Certificate 12 or 18 Months 0.35% 0.35%
$1000 Minimum Share Certificate 24 Months 0.50% 0.50%
$1000 Minimum Share Certificate 3 Years 0.75% 0.75%
$1,000 Minimum Share Certificate 4 Years 1.10% 1.10%
*Annual Percentage Yield.
There may be a penalty for early withdrawal.

Savings/Shares Rates

Rates as of 2/1/2012.
Rate Description Term Dividend Rates APY
Regular Savings $100 Minimum 0.10% 0.10%
Youth Savings $25 minimum 0.10% 0.10%
Money Market $2500 Minimum 0.25% 0.25%
Money Market $10000 Minimum 0.30% 0.30%
Money Market $20000 Minimum 0.35% 0.35%
Christmas/Vacation Club $25.00 minimum 0.15% 0.15%
Freedom Club $25.00 minimum 0.20% 0.20%
*Annual Percentage Yield.
Fees could reduce earnings on your account.

IRAs

Rates as of 2/1/2012.
Rate Description Term Dividend Rates APY
IRA Variable Rate - $500 Min. Open Account 0.25% 0.25%
IRA Variable Rate - $10,000 Min. Open Account 0.40% 0.40%
IRA Certificate - $500 Min. 12 or 18 Months 0.35% 0.35%
IRA Certificate - $500 Min. 2 Years 0.50% 0.50%
IRA Certificate - $500 Min. 3 Years 0.75% 0.75%
IRA Certificate - $500 Min. 4 Years 1.10% 1.10%
IRA Certificate - $5,000 Min. 12 or 18 Months 0.45% 0.45%
IRA Certificate - $5,000 Min. 2 Years 0.65% 0.65%
IRA Certificate - $5,000 Min. 3 Years 0.85% 0.85%
IRA Certificate - $5,000 Min. 4 Years 1.30% 1.30%
*Annual Percentage Yield.
There may be a penalty for early withdrawal.