Rates

 

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Apply For A First Mortgage Loan

Rates effective: 01/03/2023

SHARE SAVINGS
(min. $100 to earn dividends)
Join MEMBERS1st Now!
Interest Rate APY
$100.00-$999.99 0.10% 0.10%
$1,000.00-$9,999.99 0.10% 0.10%
$10,000.00-$24,999.99 0.10% 0.10%
$25,000.00-$49,999.99 0.10% 0.10%
$50,000.00+ 0.10% 0.10%
SECONDARY SHARES
(min. $50 to earn dividends)
Open a Secondary Share account online now!
Interest Rate  APY
 $50.00-$999.99 0.10% 0.10%
 $1,000.00-$9,999.99 0.10% 0.10%
 $10,000.00-$24,999.99 0.10% 0.10%
$25,000.00-$49,999.99 0.10% 0.10%
$50,000.00+ 0.10% 0.10%
ADDITIONAL SHARES Interest Rate APY
 Set-a-Goal Savings (no min. to earn dividends) Contact us to open.  0.15%   0.15%
 Virtual Coin Jar (no min. to earn dividends) Open online now! 0.10% 0.10%
 IRA Share Savings (no min. to earn dividends) Contact us to open.  0.30%  0.30%
 Holiday Club (no min. to earn dividends) Open online now!  0.15%   0.15%
 FREE Checking Contact us to open.  0.00%  0.00%
LIQUIDITY1st
(min. $1,000 to earn dividends)
Open a Liquidity1st account online now!
Interest Rate APY
 $1,000.00-$9,999.99 0.50% 0.50%
 $10,000.00-$24,999.99 0.50% 0.50%
 $25,000.00-$49,999.99 0.50% 0.50%
 $50,000.00+ 0.70% 0.70%
MONEY MARKET SAVINGS
$2,500 minimum to open & earn dividends. Minimum withdrawal of $500.
Available to transfer via It’sMe247 Online Banking service, and can also be opened in Online Banking.
No checks can be issued with this account.
Open a Money Market Savings account online now!

Interest Rate APY
 $2,500.00 – $9,999.99  1.00% 1.00%
$10,000.00 – $24,999.99  1.00%  1.00%
$25,000.00 – $49,999.99 1.40% 1.41%
$50,000.00 – $99,999.99 1.40% 1.41%
 $100,000.00 – $199,999.99 1.75% 1.76%
 $200,000.00+ 2.00% 2.02%
CERTIFICATES OF DEPOSIT
Open a CD online now!
Interest Rate APY
6 months ($500.00+) 1.65% 1.66%
12 months ($500.00+) 2.40% 2.43%
15 months ($500.00+)  2.45%  2.48%
18 months ($500.00+) 2.50% 2.53%
24 months ($500.00+) 2.60% 2.63%
30 months ($500.00+) 2.70% 2.73%
36 months ($500.00+) 2.80% 2.84%
48 months ($500.00+) 3.00% 3.04%
60 months ($500.00+) 3.25% 3.30%
Kids1st (available to members under age 18 only)
12 months ($100.00-$1,000.00)
2.50% 2.53%
Kids1st (available to members under age 18 only)
24 months ($100.00-$1,000.00)
2.75% 2.79%
IRA CERTIFICATES OF DEPOSIT
Contact us or stop in to open an IRA!
Interest Rate APY
12 months ($500.00+) 2.40% 2.43%
24 months ($500.00+) 2.60% 2.63%
36 months ($500.00+) 2.80% 2.84%
48 months ($500.00+) 3.00% 3.04%
60 months ($500.00+) 3.25% 3.30%

 

NEW & USED AUTOS/TRUCKS (2021 – 2023)
Up to 100% financing available
Apply for a 2021-2023 Auto Loan now!

Annual Percentage
Rate 
as low as
39 Months or Less 5.19%*
40-65 Months 5.49%*
66-78 months (loan must be $18,001 or more) 5.99%*
79-84 months (loan must be $30,001 or more)
6.49%*
USED AUTOS/TRUCKS (2017-2020)
Up to 100% financing available
Apply for a 2017-2020 Auto Loan now!

Annual Percentage
Rate as low as
39 months or less 5.69%*
40-65 months 5.99%*
66-78 months 6.49%*
USED AUTOS/TRUCKS (2014-2016)
Up to 100% financing available
Apply for a 2014-2016 Auto Loan now!

Annual Percentage
Rate 
as low as
Up to 39 months 6.69%*
40-52 months 6.99%*
53-65 months 7.49%*
OLDER AUTOS/TRUCKS (2013 & Older)
Up to 100% financing available
Apply for a 2013 or older Auto Loan now!

Annual Percentage
Rate
as low as
Up to 39 months 8.49%*
40-52 months 8.99%*
SEASONAL VEHICLES (2021-2023)
Motor Home/Camper/Snowmobile/Motorcycle/Boat/Trailer/ATV/etc.
Up to 100% financing available
Apply for a 2021-2023 Seasonal Vehicle Loan now!
Annual Percentage
Rate 
as low as
Up to 60 months 6.49%*
61-84 months 6.99%*
85-120 months (Motor-home/camper only)
7.49%*
121-180 months (Motor-home/camper only)
 8.49%*
SEASONAL VEHICLES (2017-2020)
Motor Home/Camper/Snowmobile/Motorcycle/Boat/Trailer/ATV/etc.
Up to 100% financing available
Apply for a 2017-2020 Seasonal Vehicle Loan now!
Annual Percentage
Rate 
as low as
Up to 60 months 7.59%*
61-84 months (Motor-home/camper only) 8.09%*
85-120 months (Motor-home/camper only) 10.09%*
SEASONAL VEHICLES (2016 & Older)
Motor Home/Camper/Snowmobile/Motorcycle/Boat/Trailer/ATV/etc.
Up to 100% financing available
Apply for a 2016 & older Seasonal Vehicle Loan now!
Annual Percentage
Rate 
as low as
Up to 60 months 9.59%*
61-84 months (Motor-home/camper only)  10.59%*
FIRST MORTGAGE LOANS
Apply for a First Mortgage Loan now!
 Annual Percentage
Rate 
as low as
Our member-friendly mortgage options include great rates, low fees, and easy financing, all with home loan experts who can answer your questions and guide you toward the best option. Real estate closing costs/fees vary based on loan amount, location and type of loan, so please call us for more information or a quote, or visit our mortgage page for more details. Call
1-800-245-6199
for current rates!
HOME EQUITY LOANS
Apply for a Home Equity Loan now!
 Annual Percentage
Rate 
as low as
Home Equity Loans-2nd lien position
36-120 months

Please call us for terms greater than 120 months.

6.60%*
Home Equity Line-of-Credit Loans Call
1-800-245-6199
for rates & terms.
SIGNATURE LOANS
Apply for a Signature Loan now!
Annual Percentage
Rate 
as low as
Up to 36 months  11.99%*
37-60 months 12.99%*
ME1st LINE-OF-CREDIT
Apply for a ME1st Line-of-Credit now!
Annual Percentage
Rate as low as
Min. loan amount of $1,000; Max. $10,000 10.9%
CERTIFICATE SECURED LOANS
Apply for a Certificate Secured Loan now!
 Annual Percentage
Rate 
as low as
2.25% APR* above rate of CD (rounded to nearest .25%)  –
*Rate Determined By Credit Score. All loans subject to approval. Rates, terms and conditions subject to change, and vary based on creditworthiness, qualifications and collateral condition. Contact us for full disclosures and a payment calculation, if needed.

 

CREDIT CARDS
Apply for a Ca$hback Credit Card online!
 Variable Annual Percentage Rate
Visa Platinum Ca$hback 10.65% VAPR*
Visa Possibilities Ask us for current rates or to apply.
View the required credit card application disclosures.
*VAPR=Variable Annual Percentage Rate. Rate is calculated by The Wall Street Journal Prime Rate plus 4.40% to 15.40% margin (margin depends on credit worthiness). Rates are subject to change at any time.