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 .75% .76%
Dividends will not be compounded and will be paid upon maturity.
2 year
$1,000 1.00% 1.01%
Dividends will not be compounded. You may choose to have dividends paid to you or to another account annually.
3 year
$1,000.00 1.25% 1.26%
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% 0.201%
Share Savings 0.30% 0.301%
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 February 20, 2020.