Rates

Livestock Rates
Credit Score APR*

3 years or less

APR*

4 years or more

750+ 4.00% 4.25%
749-700 4.50% 4.75%
699-650 5.25% 5.99%
649-600 7.00% 7.75%
599 & Under 8.00% 8.50%
Loan Fees: $100.00

*Annual Percentage Rate

 

Operating Loan
Credit Score APR*

Monthly Payment

APR*

Annual Payment

750+ 4.50% 5.00%
749-700 5.00% 5.50%
699-650 5.50% 5.99%
649-600 7.50% 7.75%
599 & Under 8.50% 8.99%
Loan Fees: $100.00

*Annual Percentage Rate

 

 

 

Signature Loans
Under $1,500 APR*: 13.00%
Under $2,500 APR*: 11.50%
Anything over $2,501 APR*: 10.00%
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 5.00%
Maximum Loan $1,500.00
Maximum Term 12 Months
Loan Fees: $50.00

 

Equipment/Machinery Rates:
Credit Score APR*

3 years or less

APR*

4 years or more

750+ 2.99% 3.99%
749-700 3.50% 4.25%
699-650 4.25% 4.99%
649-600 7.00% 7.50%
599 & Under 8.00% 8.50%
Loan Fees: $100.00
May need co-signer

*Annual Percentage Rate

 

Vehicle/Recreational Vehicle/Camper Rates  
Credit Score APR*

New Auto (2015 & Newer)

APR*

Used Auto (2014-2010)

APR*

Used Auto (2009 & Older)

750+ 2.75% 2.95% 3.25%
749-700 3.25% 3.50% 3.75%
699-650 5.00% 5.25 % 5.99%
649-600 7.00% 7.50% 7.99%
599 & Under 8.25% 8.75% 8.99%
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 February 16, 2017
Share Term Certificates
6 months Dividend APY*
$1,000.00 0.10% 0.10%
1 year
$1,000.00 0.30% 0.30%
Dividends will not be compounded and will be paid upon maturity.
2 year
$1,000 .40% .40%
Dividends will not be compounded. You may choose to have dividends paid to you or to another account semi-annually.
3 year
$1,000.00 .60% .60%
Dividends paid on maturity for 6 months to 3 years
Jumbo Certificates
Dividends will not be compounded
*Annual percentage yield

 

Shares:
Dividend Rate APY
Share Draft Account(Minimum of $5,000) 0.20% 0.20%
Share Savings 0.30% 0.30%
Youth Savers (peewee penguin) 0.50% 0.501%
Christmas Club 0.50% 0.501%
IRA’S 1.750% 1.762%