Personal Deposit Rates

Community Checking

N/A

$25 minimum opening balance

Community Checking Disclosures

President's Club Checking

Balance APY*
$750-$9,999.99 0.15%
$10,000-$49,999.99 0.35%
$50,000-$99,999.99 0.35%
$100,000 and above 0.35%

$25 minimum opening balance

$750 minimum average daily balance to earn dividends

$30,000 minimum in combined loans or deposits to avoid $7.50 service fee

*APY: Annual Percentage Yield.

Dividend Option Checking

0.01%APY

$25 minimum opening balance

$750 minimum average daily balance to earn dividends/avoid service fee

*APY: Annual Percentage Yield.

Passport Checking

0.01%APY

$25 minimum opening balance

$750 minimum average daily balance to earn dividends

*APY: Annual Percentage Yield.

Passport Checking Disclosures

Share Savings

0.02%APY

$100 minimum balance

Share Savings Disclosures

Youth Savings

0.02%APY

$0 minimum balance

Christmas Club

0.02%APY

$0 minimum balance

Market Investor

Balance APY* Min Bal.
$100-$9,999.99 0.01% $100
$10,000-$49,999.99 0.05% $100
$50,000-$99,999.99 0.10% $100
$100,000 and above 0.15% $100
     

Market Investor Disclosures

Certificates of Deposit

Product APY Min Bal.
13-Month Certificate Special 0.55% $1,000
60 Month Certificate 0.70% $1,000
48 Month Certificate 0.65% $1,000
36 Month Certificate 0.60% $1,000
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12 Months
First Step
0.15% $100
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Certificates of Deposit Disclosures

IRAs and ESAs

Product APY Min Bal.
Premier IRA
$10 Annual Fee
0.35% $0
Monthly IRA Share Account 0.20% $0
IRA Savings 0.15% $0
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12-Months First Step
Coverdell ESA
0.15% $100
     
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IRAs and ESAs Disclosures


Personal Loan Rates

Auto Rates

Product APR*
New and Used Autos
up to 72 months
3.39% - 16.14%
New and Used Autos
73 - 84 months
3.89% - 16.14%

For a $20,000 new car loan for a term of 84 months with a 3.89% APR, the monthly payment will be $272.40

Auto Rates Disclosures

RVs

Product APR
2019-2020 Fixed Rate* 5.24% - 17.99%
2019-2020 Variable Rate 5.99% - 17.99%
2018 and older Fixed Rate* 6.24% - 18.99%
2018 and older Variable Rate 7.99% - 19.99%

*Includes .50% reduction for autopay and e-statements.

Marine

Product APR
Models 2019-2020 5.24% - 17.99%
2018 and older 6.24% - 18.99%

Includes .50% reduction for autopay and e-statements.

Marine Disclosures

Goldline Plus

10.15%-21.40%APR

Signature Line of Credit

Goldline Plus Disclosures

Personal Loan

Product APR
Fixed Rate 8.25% - 22.00%*
Variable Rate 10.75% - 17.25%

*Includes .50% reduction for autopay and e-statements. $60 loan fee applies.

Share Secured

5.00%APR

Secured by your Maps Share Account

Certificate Secured

+2.00%*APR

*Certificate Rate + 2.00% APR. Secured by your Maps Certificate Account.

Certificate Secured Disclosures

Home Equity Master Line

Repayment Terms APR Loan to Value
10 year draw & up to 15 years to repay 3.50%-6.50% up to 85% LTV

HELOC Owner-Occupied. Payment based on balance. $25.00 annual fee assessed January of each year. Borrower pays closing costs. Annual Percentage Rate (APR)* and maximum loan amount will be based on your credit qualifications and loan to value ratio. The variable APR may adjust quarterly based on Wall Street Prime plus or minus a margin. Minimum APR 3.49%. Maximum APR 18%.

Home Equity Master Line: Offering Rates may change at any time. Other terms and conditions may apply. Appraisals required. Flood search cost: $12.50. Property Tax Tracking fee $81.  Estimated recording cost: $136-$163. Estimated title insurance or property report cost: $85 - $1300. Lock fee of $25 may apply. Total estimated costs will vary based on individual loan.

Home Equity Master Line Disclosures

Lock-In Option - Variable

Repayment Terms APR
Terms 5, 10, 15, or 20 years 3.50%-5.50%

Lock-in a portion of your Home Equity Master Line to an interest rate that is fixed for the first five years based on Wall Street Journal plus a margin; thereafter, the interest rate will adjust every 5 years based on Wall Street Journal Prime plus a Margin.As you repay the principal, your availability to borrow from your Home Equity Master Line will increase.   OR as you repay the principal portion that is locked in, these funds will be available to borrow through your Home Equity Master Line.

Lock-in Option - Fixed

4.75

Repayment Terms APR
Terms 5, 10, 15, or 20 years 4.75%-7.50%

Lock-in a portion of your Home Equity Master Line to a fixed interest rate for 5, 10, 15, or 20 years. As you repay the principal, your availability to borrow from your Home Equity Master Line will increase.

Lock-in Option - Fixed Disclosures

Mastercard

Product APR
Platinum Mastercard Rewards 8.75%-16.75%
World Mastercard Rewards 8.75%-12.75%
Business Mastercard 8.75%-16.75%
Secured Mastercard 16.75%
Youth Mastercard 16.75%

Mastercard Disclosures

Mortgages

Swipe left to scroll table.
Program Name Rate APR Points   Fees
15 Year Fixed (Conforming) 2.750% 2.889% 0.00%   View
30 Year Fixed (Conforming) 3.125% 3.203% 0.00%   View
30 Year FHA % % 0.00%   View
30 Year VA % % 0.00%   View
30 Year USDA Rural Home Purchase % % 0.00%   View

Mortgage rates listed on our website are representative of a home loan purchase only.  Refinance rates are typically .125% to .75% higher. Call for government rate quotes.


Rates good as of 09/25/20 and are subject to change without notice.

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Mortgages Disclosures


Business Rates

Basic Business Checking

0.00APY

$100 minimum opening balance

Monthly Service Fee $5.
To Avoid Service Fee: Maintain a Daily Balance of $500; or $2,500 Combined Balance; or 10 Debit Card Purchases

Basic Business Checking Disclosures

Growth Business Checking

Product APY*
Below $1,500 0.00%
$1,500 and above 0.05%

$100 minimum opening balance

Monthly Service Fee: $10
To Avoid Service Fee: Maintain a Daily Balance of $2,500; or $4,000 Combined Balance; or Active Business Loan/Line

Advanced Business Checking

APY

Product APY*
Below $1,500 0.00%
$1,500 and above 0.10%

$100 minimum opening balance

Monthly service fee $20

To Avoid Service Fee: Daily Balance of $7,500; or $15,000 Combined Balance; or Active Business Loan/Line

Advanced Business Checking Disclosures

Business Share Savings

0.02%APY

$100 minimum balance to avoid service fee

Business Share Savings Disclosures

Business Market Investor

Product APY*
Below $1000 0.00%
$1,000 - $9,999.99 0.01%
$10,000 - $49,999.99 0.05%
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$1,000 minimum balance to earn dividends

Business Market Investor Disclosures