| Livestock Rates | ||
| Credit Score | APR*
3 years or less |
APR*
4 years or more |
|---|---|---|
| 750+ | 8.25% | 8.50% |
| 749-700 | 8.75% | 9.00% |
| 699-650 | 9.50% | 10.25% |
| 649-600 | 11.25% | 12.00% |
| 599 & Under | 12.25% | 12.75% |
| Loan Fees: $100.00
*Annual Percentage Rate |
||
| Operating Loan | ||
| Credit Score | APR*
Monthly Payment |
APR*
Annual Payment |
|---|---|---|
| 750+ | 8.75% | 9.25% |
| 749-700 | 9.25% | 9.75% |
| 699-650 | 9.75% | 10.25% |
| 649-600 | 11.75% | 12.00% |
| 599 & Under | 12.75% | 13.25% |
| Loan Fees: $100.00
*Annual Percentage Rate 10/19/2023 |
||
| Signature Loans | |
| Under $1,500 | APR*: 16.50% |
| Under $2,500 | APR*: 15.00% |
| Anything over $2,501 | APR*: 13.50% |
| Loan Fees: $50.00
*Annual Percentage Rate |
|
| *Rewrite loans |
| Rewrite Loans – $50.00 (interest paid to date of rewrite) |
| Back to School/Christmas Loan | |
| Annual Percentage Rate | 7.00% |
| Maximum Loan | $3,000.00 |
| Maximum Term | 12 Months |
| Loan Fees: $50.00 | |
| Debt Consolidation Loan: |
Borrower must have a credit score of 700+, the loan requires collateral to secure the note or a cosigner with a 750+ credit score. |
| Equipment/Machinery Rates: | ||
| Credit Score | APR*
3 years or less |
APR*
4 years or more |
|---|---|---|
| 750+ | 7.25% | 8.25% |
| 749-700 | 7.75% | 8.50% |
| 699-650 | 8.50% | 9.25% |
| 649-600 | 11.25% | 11.75% |
| 599 & Under | 12.25% | 12.75% |
| Loan Fees: $100.00 | ||
| May need co-signer.
*Annual Percentage Rate |
||
| Auto/Recreational Vehicle/Camper Rates
Loan Terms: – 2022 or newer with a credit score of 700 or above can be financed for as long as 84 months. – 2022 or newer with a credit score below 700 can finance as long as 72 months. -2021 or older the maximum financing terms are 60 months. |
|||
| Credit Score | APR*
New Auto (2022 & Newer) |
APR*
Used Auto (2021-2017) |
APR*
Used Auto (2016 & Older) |
|---|---|---|---|
| 750+ | 6.50% | 6.70% | 7.50% |
| 749-700 | 7.00% | 7.25% | 8.00% |
| 699-650 | 9.75% | 10.00% | 10.75% |
| 649-600 | 11.75% | 12.25% | 12.75% |
| 599 & Under | 13.00% | 13.50% | 13.75% |
| Loan Fees: $50.00 | |||
| Manager has right of say over all printed material. | |||
| May need co-signer.
*Annual Percentage Rate Approved by the Board of Directors on 03/21/2024. |
|||
| *Loan Specials –
** If you have an existing auto loan with another lender, we will give you 1% off your current loan rate. Special restrictions apply debit ratio must be 50% or less, credit score must be above 700, proof of current rate must be provided, and new loan rate cannot go below 5.00%. Loan fee will be waived. **Auto/Recreational Vehicle/Camper loans on a vehicle/ camper that is a 2022 or newer, member must have a credit score of 750+, will finance for up to 60 months, will receive a rate of 5.49% APR. |
|||
| Share Term Certificates | |||
| 6 months | Dividend | APY* | |
|---|---|---|---|
| $1,000.00 | 3.25% | 3.27% | |
| 1 year | |||
| $1,000.00 | 3.00% | 3.01% | |
| Dividends will not be compounded and will be paid upon maturity. | |||
| 2 years | |||
| $1,000 | 2.25% | 2.26% | |
| Dividends will not be compounded. You may choose to have dividends paid to you or to another account annually. | |||
| 3 years | |||
| $1,000.00 | 2.00% | 2.01% | |
| Jumbo Certificates | |||
| Dividends will not be compounded. | |||
| *Annual percentage yield. APY’s accurate as of September 21, 2023. Rates subject to change. Fees may reduce earnings on account. Penalty will or may be imposed for early withdrawal. Restrictions may apply. Insured by NCUA. | |||
| Shares: | ||
|---|---|---|
| Dividend Rate | APY | |
| Share Draft Account (Minimum of $5,000) | 0.50% | 0.501% |
| Share Savings | 1.00% | 1.01% |
| Youth Savers (peewee penguin) | 2.00% | 2.01% |
| Christmas Club | 1.50% | 1.501% |
| IRA’S | 1.750% | 1.762% |
Approved by the Board of Directors on October 19, 2023.
