Home Loans
Home Purchase
Home Refinance
Rental Home Purchase
Home Equity Loan
Home Equity Line of Credit
Residential Lot Loan
Home Purchase
Home Purchase – 30 Year Fixed – Example 20% Down – Loan Amount $200,000 – 740 Credit Score – Maximum Loan $766,550
Interest Rate | Origination Fees | Disc. Points | Loan Fees | APR | Payment |
|---|---|---|---|---|---|
6.875% | 0.000% | 0.000% | $4,958.00 | 6.959% | $1,313.86 |
Home Purchase – 15 Year Fixed – Example 20% Down – Loan Amount $200,000 – 760 Credit Score – Maximum Loan $766,550
Interest Rate | Origination Fees | Disc. Points | Loan Fees | APR | Payment |
|---|---|---|---|---|---|
6.375% | 0.000% | 0.000% | $5,208.00 | 6.506% | $1,728.50 |
All rates and loan programs subject to change without notice and are available upon approved credit only.
Home Refinance
Home Refinance – 15-Year No Cash Out – Up to 80% LTV – Loan Amount $200,000 – 760 Credit Score – Maximum Loan $766,550
Interest Rate | Origination Fees | Disc. Points | Loan Fees | APR | Payment |
|---|---|---|---|---|---|
6.500% | 0.00% | 0.00% | $4,088.00 | 6.624% | $1,742.21 |
Home Refinance – 30-Year No Cash Out – Up to 80% LTV – Loan Amount $200,000 – 760 Credit Score – Maximum Loan $766,550
Interest Rate | Origination Fees | Disc. Points | Loan Fees | APR | Payment |
|---|---|---|---|---|---|
7.000% | 0.00% | 0.00% | $4,568.00 | 7.079% | $1,330.60 |
All rates and loan programs subject to change without notice and are available upon approved credit only.
Rental Home Purchase
Rental Home Purchase – 30-Year Term – Example 25% Down – Loan Amount $200,000 – 760 Credit Score – Maximum Loan $766,550
Interest Rate | Origination Fees | Disc. Points | Loan Fees | APR | Payment |
|---|---|---|---|---|---|
7.625% | 1.00% | 0.00% | $7,318.00 | 7.821% | $1,415.59 |
All rates and loan programs subject to change without notice and are available upon approved credit only.
Home Equity Loan
Home Equity Loan – Fixed Rate 15-Year Term – Example 20% Equity – Loan Amount $150,000 (2nd Mortgage) – 730 Credit Score – Maximum Loan $150,000
Interest Rate | Origination Fees | Disc. Points | Loan Fees | APR | Payment |
|---|---|---|---|---|---|
6.875% | 0.00% | 0.00% | $1,500 | 7.082% | $1,337.78 |
All rates and loan programs subject to change without notice and are available upon approved credit only.
Home Equity Line of Credit
Home Equity Line of Credit – 15-Year Term – Maximum Amount $100,000 – 730+ Credit Score = Prime +0% (Adjustable Rate Program)
Interest Rate | Origination Fees | Disc. Points | Loan Fees | APR | Payment |
|---|---|---|---|---|---|
7.50% | 0.00% | 0.00% | $747.75 | 7.50% | $927.01 |
*payment if entire line is pulled at closing – rate is tied to prime and can adjust without notice, payment will change with balance and rate change – see disclosure for details.
Residential Lot Loan
Residential Lot Loan – Fixed Rate 15-year – Example 20% Down – Loan Amount $250,000 – 700 Credit Score – Maximum Loan $250,000
Interest Rate | Origination Fees | Disc. Points | Loan Fees | APR | Payment |
|---|---|---|---|---|---|
7.000% | 0.000% | 0.000% | $4,783.00 | 7.138% | $1,797.66 |
All rates and loan programs subject to change without notice and are available upon approved credit only.
Auto Loans
New Vehicle Loans
Used Vehicle Loans
Older Model Auto Loans
New Vehicle Loans
Term | Fixed APR as low as |
|---|---|
36 months | 5.09% |
48 months | 5.19% |
60 months | 5.39% |
72 months | 5.69% |
84 month | 6.59% |
APR = Annual Percentage Rate. Subject to individual credit worthiness and other qualifications, as deemed necessary. Model Year 2023 and newer.
Used Vehicle Loans
Term | Fixed APR as low as |
|---|---|
36 months | 5.60% |
48 months | 6.04% |
60 months | 6.24% |
72 months | 6.39% |
84 months | 7.24% |
APR = Annual Percentage Rate. Subject to individual credit worthiness and other qualifications, as deemed necessary. Model Year 2018 – 2022 and newer.
Older Model Auto Loans
Term | Fixed APR as low as |
|---|---|
36 months | 7.60% |
48 months | 8.04% |
60 months | 8.24% |
APR = Annual Percentage Rate. Subject to individual credit worthiness and other qualifications, as deemed necessary. Model Year 2017 and older
Boat & Watercraft Loans
New and Used Boat Loans
New and Used Personal Watercraft
New and Used Boat Loans
Term | Fixed APR as low as |
|---|---|
36 months | 5.85% |
48 months | 5.85% |
60 months | 6.55% |
72 months | 6.85% |
84 months | 6.99% |
96 months | 7.30% |
108 months | 7.45% |
120 months | 7.65% |
180 months | 7.99% |
APR = Annual Percentage Rate. Subject to individual credit worthiness and other qualifications, as deemed necessary. Model Year 2017 and newer.
New and Used Personal Watercraft
Term | Fixed APR as low as |
|---|---|
36 months | 6.99% |
48 months | 7.09% |
60 months | 7.49% |
72 months | 7.69% |
APR = Annual Percentage Rate. Subject to individual credit worthiness and other qualifications, as deemed necessary. Model Year 2017 and newer.
Recreational Vehicle Loans
New and Used Motorcycle Loans
New and Used Camping Trailer Loans (18ft Max)
New and Used Travel Trailer / Fifth Wheel
New and Used RV / Motor Home Loans
New and Used Motorcycle Loans
Term | Fixed APR as low as |
|---|---|
36 months | 6.79% |
48 months | 6.79% |
60 months | 7.29% |
72 months | 7.45% |
84 months | 7.55% |
APR = Annual Percentage Rate. Subject to individual credit worthiness and other qualifications, as deemed necessary. Model Year 2017 and newer.
New and Used Camping Trailer Loans (18ft Max)
Term | Fixed APR as low as |
|---|---|
36 months | 7.65% |
48 months | 7.90% |
60 months | 8.15% |
APR = Annual Percentage Rate. Subject to individual credit worthiness and other qualifications, as deemed necessary. Model Year 2017 and newer.
New and Used Travel Trailer / Fifth Wheel
Term | Fixed APR as low as |
|---|---|
36 months | 6.60% |
48 months | 6.85% |
60 months | 7.10% |
72 months | 7.30% |
84 months | 7.60% |
96 months | 7.85% |
108 months | 8.35% |
120 months | 8.85% |
APR = Annual Percentage Rate. Subject to individual credit worthiness and other qualifications, as deemed necessary. Model Year 2017 and newer.
New and Used RV / Motor Home Loans
Term | Fixed APR as low as |
|---|---|
36 months | 5.85% |
48 months | 6.05% |
60 months | 6.50% |
72 months | 6.80% |
84 months | 6.99% |
96 months | 7.15% |
108 months | 7.30% |
120 months | 7.45% |
180 months | 8.35% |
APR = Annual Percentage Rate. Subject to individual credit worthiness and other qualifications, as deemed necessary. Model Year 2017 and newer.
Savings Accounts
Regular Savings Account
Custom Savings Account
Christmas Club Account
Money Market Account
Regular Savings Account
Account | Rate | APY |
|---|---|---|
Regular Share Savings | 0.10% | 0.10% |
Custom Savings Account
Account | Rate | APY |
|---|---|---|
Custom Share Savings | 0.10% | 0.10% |
Christmas Club Account
Account | Rate | APY |
|---|---|---|
Christmas Club Account | 0.10% | 0.10% |
Money Market Account
Balance | Minimum Opening Deposit | Rate | APY |
|---|---|---|---|
$2,500-$9,999.99 | $2,500 | 0.95% | 0.95% |
$10,000-$24,999.99 | $2,500 | 1.04% | 1.05% |
$25,000-$39,999.99 | $2,500 | 1.09% | 1.10% |
$40,000-$74,999.99 | $2,500 | 1.14% | 1.15% |
$75,000-$149,999.99 | $2,500 | 1.19% | 1.20% |
$150,000+ | $2,500 | 1.19% | 1.20% |
Certificates
Youth Certificates
Regular Share Certifcates
Petite Share Certificates
Jumbo Share Certificates
Youth Certificates
Account | Term | Rate | APY |
|---|---|---|---|
Sand Dollar Club | 12 Month | 3.68% | 3.75% |
Wave Riders Club | 12 Month | 3.68% | 3.75% |
$200 minimum deposit to open. Requires parent/guardian. Penalty for early withdrawal.
Regular Share Certifcates
Term | Minimum Opening Deposit | Rate | APY |
|---|---|---|---|
3 month | $1,000 | 2.96% | 3.01% |
6 month | $1,000 | 3.44% | 3.50% |
12 month | $1,000 | 3.68% | 3.75% |
18 month | $1,000 | 3.68% | 3.75% |
24 month | $1,000 | 3.83% | 3.90% |
36 month | $1,000 | 3.54% | 3.60% |
48 month | $1,000 | 3.39% | 3.45% |
60 month | $1,000 | 3.29% | 3.34% |
Penalty for early withdrawal.
Petite Share Certificates
Term | Minimum Opening Deposit | Rate | APY |
|---|---|---|---|
12 month | $40,000 | 3.73% | 3.80% |
18 month | $40,000 | 3.73% | 3.80% |
24 month | $40,000 | 3.87% | 3.95% |
36 month | $40,000 | 3.58% | 3.64% |
48 month | $40,000 | 3.44% | 3.50% |
60 month | $40,000 | 3.34% | 3.40% |
Penalty for early withdrawal.
Jumbo Share Certificates
Term | Minimum Opening Deposit | Rate | APY |
|---|---|---|---|
12 month | $75,000 | 3.78% | 3.85% |
18 month | $75,000 | 3.78% | 3.85% |
24 month | $75,000 | 3.92% | 4.00% |
36 month | $75,000 | 3.63% | 3.70% |
48 month | $75,000 | 3.49% | 3.55% |
60 month | $75,000 | 3.39% | 3.45% |
Penalty for early withdrawal.
IRAs
IRA Share Savings
Roth IRA Savings Account
IRA Share Certificates
IRA Share Savings
Account | Rate | APY |
|---|---|---|
IRA Share Savings | 0.25% | 0.25% |
Roth IRA Savings Account
Account | Rate | APY |
|---|---|---|
Roth IRA Share Savings | 0.25% | 0.25% |
IRA Share Certificates
Term | Minimum Opening Deposit | Rate | APY |
|---|---|---|---|
12 month | $1,000 | 3.68% | 3.75% |
24 month | $1,000 | 3.83% | 3.90% |
36 month | $1,000 | 3.54% | 3.60% |
48 month | $1,000 | 3.39% | 3.45% |
60 month | $1,000 | 3.29% | 3.34% |
Penalty for early withdrawal.
Additional Loans
Additional Loans
Additional Loans
Loan Type | Term | Fixed APR as low as |
|---|---|---|
Line of Credit | Varies | 11.99% |
Personal | 36 months | 10.00% |
48 months | 10.70% | |
60 months | 10.95% | |
Share/CD Secured | Varies |
APR = Annual Percentage Rate. Subject to individual credit worthiness and other qualifications, as deemed necessary.
