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Investment Certificate

Term Minimum Balance* APY**
6 - Month $500 1.75%
12 - Month $500 2.15%
24 - Month $500 2.20%
36 - Month $500 2.25%
60 - Month $500 2.50%

Money Market Maximizer

Minimum Balance Term APY**
$0 - $1,999 N/A 0.15%
$2,000 - $4,999 N/A 0.15%
$5,000 - $9,999 N/A 0.15%
$10,000 - $24,999 N/A 0.45%
$25,000 - $49,999 N/A 0.55%
$50,000 - $99,999 N/A 0.70%
$100,000 - and over N/A 0.80%

IRA CD

Term Minimum Balance* APY**
6 - Month $500 1.75%
12 - Month $500 2.15%
24 - Month $500 2.20%
36 - Month $500 2.25%
60 - Month $500 2.50%

Certificate/Money Market Disclosures

Rates effective as of May 22, 2019.
A minimum initial deposit of $1,000 is required.
*A minimum $5 balance in Share Savings required to be eligible for Services.
**APY=Annual Percentage Yield. APYs are based on monthly compounding. APYs are subject to change. Fees could reduce earnings. Call 1(855) 878-9378 for terms and conditions.
Click here to view the most current dividend rate and investment certificate disclosures

New/Used Auto

Terms (Months) APR*
0 - 63 4.15% - 16.65%
64 - 75 4.39% - 9.75%
76 - 84 4.65% - 8.74%

New/Used Motorcycle

Terms (Months) APR*
0 - 60 8.00% - 9.60%
61 - 72 8.50% - 10.10%

New Marine and Personal Watercraft

Terms (months) APR*
0 - 84 10.50% - 12.00%
85 - 120 8.00% - 10.75%

Used Marine and Personal Watercraft

Terms (months) APR*
0 - 84 11.00% - 12.50%
85 - 120 8.50% - 11.25%

New Quad

Term (months) APR*
0 - 60 8.50% - 14.50%

Used Quad

Term (months) APR*
0 - 60 8.50% - 15.00%

New Recreational Vehicle

Term (Months) APR*
0 - 60 9.24% - 10.00%
61 - 84 7.24% - 8.00%
85 - 144 4.49% - 5.00%
145 - 180 4.24% - 5.00%

Used Recreational Vehicle

Terms (Months) APR*
0 - 60 9.74% - 10.50%
61 - 84 7.74% - 8.50%
85 - 144 4.99% - 5.50%
145 - 180 4.74% - 5.50%

Auto Disclosures

Rates effective as of May 23, 2018.
*APR=Annual Percentage Rate. Rates reflect as a 0.25% discount for auto transfer payment. Rate will increase when Auto Transfer Payment is discontinued.

Share Savings

Minimum Balance* Term APY**
$0 - $1,999 N/A 0.05%
$2,000 - $4,999 N/A 0.05%
$5,000 or more N/A 0.10%

Youth Savings

Minimum Balance* Term APY**
$0 - $1,999 N/A 0.05%
$2,000 - $4,999 N/A 0.05%
$5,000 or more N/A 0.10%

Select Savings

Minimum Balance* Term APY**
$0 - $1,999 N/A 0.05%
$2,000 - $4,999 N/A 0.05%
$5,000 or more N/A 0.10%

IRA Savings

Minimum Balance* Term APY**
N/A N/A 0.35%

Christmas Club

Minimum Balance* Term APY**
N/A N/A 0.15%

Rates effective as of November 1, 2018

Apply Now

Choice

Minimum Balance* Term APY**
$0.00 N/A 0.05%

OTG Checking

Minimum Balance* Term APY**
$0.00 N/A 0.00%

Advantage 55

Minimum Balance* Term APY**
$0.00 N/A 0.05%

Savings/Checking Disclosures

Rates effective as of March 1, 2018 (except for Christmas Club)
Click here to view the most current consumer fee schedule
*A minimum $5 balance in Share Savings required to be eligible for Services.
**APY=Annual Percentage Yield. APYs are based on monthly compounding. APYs are subject to change. Fees could reduce earnings. Call 1(855) 878-9378 for terms and conditions.

Credit Cards

Type APR*
Visa Signature 10.15%- 11.15%
Visa Platinum 8.20% - 22.20%
Visa Platinum Points 10.15% - 17.15%

Credit Card Disclosures

Rates effective as of December 20, 2018.
New Accounts Only.
*APR=Annual Percentage Rate.


Personal Credit Line

Type APR*
Personal Credit Line 13.00% - 17.25%

Other Disclosures

Rates effective as of December 20, 2018.
*APR=Annual Percentage Rate. Rates reflect as a 0.25% discount for auto transfer payment. Rate will increase when Auto Transfer Payment is discontinued.

Website Maintenance

Our website will be unavailable from 12:00 a.m., through 1:00 a.m. CDT, May 24, as we perform routine maintenance. Online banking and our mobile app will still be available during this time.