Rates

Current Dividend Rates

Share and IRA Certificates

Effective Date: 11/14/2016

TERMMINIMUM DEPOSITDIVIDEND RATEAPY*
6 MONTHS$5000.40%0.40%
12 MONTHS$5000.50%0.50%
18 MONTHS$5000.65%0.65%
24 MONTHS$5000.75%0.75%
36 MONTHS$5001.25%1.26%

Monty Moose and Youth Account Certificates

Effective Date: 11/14/2016

TERMMINIMUM DEPOSITDIVIDEND RATEAPY*
6 MONTHS$100 – $3000.40%0.40%
12 MONTHS$100 – $3000.50%0.50%
18 MONTHS$100 – $3000.65%0.65%
24 MONTHS$100 – $3000.75%0.75%
36 MONTHS$100 – $3001.25%1.26%

These DIVIDEND RATES are subject to change at any time without prior notice. After your certificate is opened, the DIVIDEND RATE is fixed for the TERM. A penalty is imposed for early withdrawal. IRA withdrawals may be subject to a Federal early withdrawal penalty.

Deposit Accounts

Effective Date: 11/14/2016

TYPEMINIMUM DEPOSITDIVIDEND RATEAPY*
SHARES$250.25%0.25%
TYPEMINIMUM DEPOSITDIVIDEND RATEAPY*
CLUBNone0.25%0.25%
TYPEMINIMUM DEPOSITDIVIDEND RATEAPY*
SHARE DRAFTNone0.00%0.00%
TYPEMINIMUM DEPOSITDIVIDEND RATEAPY*
TRADITIONAL IRANone0.25%0.25%
ROTH IRANone0.25%0.25%
COVERDEL ESANone0.25%0.25%

*ANNUAL PERCENTAGE YIELD IRA withdrawals may be subject to a Federal early withdrawal penalty and Federal and State taxation.

Current Loan Rates

Real Estate Loans - 1st Mortgage

Effective Date: 11/14/2016

TERMPOINTSRATEAPRPER $1000
10 years02.75%2.802%$9.54
TERMPOINTSRATEAPRPER $1000
15 years03.50%3.536%$7.15
15 years13.375%3.558%$7.09
15 years23.25%3.581%$7.03
TERMPOINTSRATEAPRPER $1000
30 years04.25%4.271%$4.92
30 years14.125%4.230%$4.85
30 years24.00%4.190%$4.77

2nd Mortgage and Fixed Home Equity

Effective Date: 11/14/2016

TERMRATEAPRPER $1000
5 years5.00%5.00%$18.87
10 years6.00%6.00%$11.10
15 years7.00%7.00%$8.99

Variable Rate Home Equity

Effective Date: 11/14/2016

RATE IS PRIME PLUS 0% WITH A FLOOR OF 4.25%

Rates vary for non-conforming loans. Add 1% to above rates for manufactured homes. For details, contact our Mortgage Loan Officer, Lisa Violette.

Rates subject to change without notice. *Annual Percentage Rate for mobile home without land up to 12 years @ 10% interest rate, with 20% down payment required.

Auto Loans as low as 2.99% APR. Call 1-800-713-4017 for details.

New Autos

Effective Date: 11/14/2016

 AS LOW AS
UP TO 60 MOS2.99%
72 MOS3.49%

Used Autos

Effective Date: 11/14/2016

 AS LOW AS
UP TO 60 MOS2.99%
72 MOS4.25%

Non-Redbook Vehicle

Effective Date: 11/14/2016

 AS LOW AS                        
ANY VEHICLE 9 YEARS AND OLDER5.24%

Motorcycles, Motors, Snowmobiles, ATVs, etc. - NEW

Effective Date: 11/14/2016

 AS LOW AS
UP TO 60 MOS4.24%
72 MOS4.98%

Motorcycles, Motors, Snowmobiles, ATVs, etc. - USED

Effective Date: 11/14/2016

 AS LOW AS
UP TO 60 MOS5.24%
72 MOS6.24%

Boats and Campers - NEW

 AS LOW AS   
UP TO 60 MOS4.24%
61 TO 120 MOS5.24%
121 TO 180 MOS7.24%

Boats and Campers - USED

 AS LOW AS   
UP TO 60 MOS5.24%
61 TO 120 MOS6.24%
121 TO 180 MOS8.21%

Unsecured

Effective Date: 11/14/2016

12.50%13.00%14.00%15.50%17.50%18.00%

Comaker

Effective Date: 11/14/2016

12.00%12.50%13.50%15.00%16.50%17.50%

Computer

Effective Date: 11/14/2016

7.50%8.00%9.00%10.50%12.50%16.00%

Misc. Equipment (Non-business)

Effective Date: 11/14/2016

5 YEARS6.00%6.50%7.50%9.00%11.00%13.00%
6 YEARS6.50%7.00%8.00%9.50%11.50%13.50%
7 YEARS7.00%7.50%8.50%10.00%12.00%14.00%
8 YEARS7.50%8.00%9.00%10.50%12.50%14.50%
9 YEARS8.00%8.50%9.50%11.00%13.00%15.00%
10 YEARS8.50%9.00%10.00%11.50%13.50%15.00%

Share Secured Loans

Effective Date: 11/14/2016

3 YEARSShare Rate, plus 3%
4 YEARSShare Rate, plus 4%
5 YEARSShare Rate, plus 5%
OVER 6 YEARSShare Rate, plus 6%
Certificate Secured3% over Certificate Rate
Stock Secured12.00%
VISA Credit Card11.90%
Tuition Loan8.00%