Rates

Livestock Rates
Credit Score APR*

3 years or less

APR*

4 years or more

750+ 4.50% 4.75%
749-700 5.00% 5.25%
699-650 5.75% 6.49%
649-600 7.50% 8.25%
599 & Under 8.50% 9.00%
Loan Fees: $100.00

*Annual Percentage Rate

Operating Loan
Credit Score APR*

Monthly Payment

APR*

Annual Payment

750+ 5.00% 5.50%
749-700 5.50% 6.00%
699-650 6.00% 6.49%
649-600 8.00% 8.25%
599 & Under 9.00% 9.49%
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+ 3.49% 4.49%
749-700 4.00% 4.75%
699-650 4.75% 5.49%
649-600 7.50% 8.00%
599 & Under 8.50% 9.00%
Loan Fees: $100.00
May need co-signer

*Annual Percentage Rate

Vehicle/Recreational Vehicle/Camper Rates  
Credit Score APR*

New Auto (2018 & Newer)

APR*

Used Auto (2017-2013)

APR*

Used Auto (2012 & Older)

750+ 3.25% 3.45% 3.75%
749-700 3.75% 4.00% 4.25%
699-650 6.00% 6.25 % 6.99%
649-600 8.00% 8.50% 8.99%
599 & Under 9.25% 9.75% 9.99%
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 January 15, 2020.

 
Share Term Certificates
6 months Dividend APY*
$1,000.00 0.25% 0.25%
1 year
$1,000.00 0.35% 0.35%
Dividends will not be compounded and will be paid upon maturity.
2 year
$1,000 0.50% 0.51%
Dividends will not be compounded. You may choose to have dividends paid to you or to another account annually.
3 year
$1,000.00 0.75% 0.76%
Dividends paid on maturity for 6 months to 3 years
Jumbo Certificates
Dividends will not be compounded
*Annual percentage yield. APY’s accurate as of November 19, 2020. 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) 0.10% 0.101%
Share Savings 0.20% 0.201%
Youth Savers (peewee penguin) 0.50% 0.501%
Christmas Club 0.50% 0.501%
IRA’S 1.750% 1.762%

Approved by the Board of Directors on July 15, 2020.