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Loan Rates

Auto Loans

New and Used Autos APR as low as
up to 4 years (48 months) 3.50%
up to 6 years (72 months) 3.70%
up to 7 years (84 months) 4.95%

Recreational Vehicles

New and Used APR as low as
up to 6 years (72 months) 5.20%
up to 7 years (84 months) 5.70%
up to 8 years (96 months) 6.70%
up to 10 years (120 months) 8.70%

Real Estate Loans

APR as low as
First Mortgage up to 30 years; up to 100% financing Click Here
Second Mortgage up to 10 years; up to 90% financing Call
Home Equity Line of Credit up to 10 years; up to 90% financing Call
Land Loans up to 15 years; up to 100% financing Call

Visa Credit Cards

Visa Credit Cards APR as low as
Visa Rewards Credit Card 8.00%

Consumer Loans

APR as low as
Personal Loans up to 5 years (60 months) 8.75%
Education Loans up to 1 year (12 months) 7.50%
Education Loans up to 2 years (24 months) 7.75%
Revolving Loans 9.00%

Deposit Secured Loans

APR as low as
Shared Secured 3.00%
Certificate Secured up to 3 years (36 months) 2.00% over certificate rate
Certificate Secured up to 6 years (72 months) 3.00% over certificate rate
Certificate Secured up to 10 years (120 months) 4.00% over certificate rate

APR is annual percentage rate. Rates subject to change. Additional terms and conditions may apply. Qualified borrowers. New money only. Max rate is 18.00%. Loan rates will be adjusted on individual credit profiles. 

Call our Mortgage Center or Loan Department for more information at (225) 292-8910 or toll free at (800) 375-2760

Deposit Rates

Savings Accounts

Min balance to earn dividends Compound method APY as high as
Regular Savings (S1) $100 1 0.20%
Minor Savings (S5, S6) $100 1 0.20%
Super Savings (S21) $25,000 1 0.42%
Super Savings (S21) $10,000 1 0.31%
Super Savings (S21) $2,500 1 0.25%
Christmas Club Savings (S18) $0.01 1 0.20%
Other Club Savings (S17) $0.01 1 0.20%

Checking Accounts

Min balance to earn dividends Compound method APY as high as
Classic Checking (S11) $3,500 1 0.20%
Classic Checking (S11) $0.01 1 0.15%
Simply FREE Checking (S13) N/A 1 N/A
Teen Checking N/A 1 N/A

Share Certificates

Min balance to earn dividends Compound method APY as high as
4 Years (48 months) $45,001 4 2.52%
$25,001 4 2.42%
$5,001 4 2.32%
$500 4 2.22%
3 Years (36 months) $45,001 4 2.42%
$25,001 4 2.32%
$5,001 4 2.22%
$500 4 2.12%
2 Years (24 months) $45,001 4 2.22%
$25,001 4 2.12%
$5,001 4 2.02%
$500 4 1.92%
1 Years (12 months) $45,001 4 1.97%
$25,001 4 1.87%
$5,001 4 1.76%
$500 4 1.66%
6 months $45,001 3 1.20%
$25,001 3 1.10%
$5,001 3 1.00%
$500 3 0.90%
3 months $45,001 2 1.10%
$25,001 2 1.00%
$5,001 2 0.50%
$500 2 0.40%

IRA (Individual Retirement Accounts)

Min balance to earn dividends Compound method APY as high as
5 Years (60 months) $500 5 2.78%
4 Years (48 months) $500 5 2.52%
3 Years (36 months) $500 5 2.42%
2 Years (24 months) $500 5 2.22%
1 Year (12 months) $500 5 1.96%
Variable N/A 1 0.50%

APY is annual percentage yield. Rates subject to change.

CMP is Compounding Method:

  1. Calculated daily, paid quarterly
  2. Calculated daily, paid at maturity
  3. Calculated daily, paid at maturity, or monthly and transferred to savings or checking account
  4. Calculated daily, paid monthly ,& transferred to savings/checking account, or paid quarterly & added to certificate
  5. Calculated daily, paid quarterly to certificate

Effect of Early Withdrawals from Certificates:

  • Early withdrawal on all share certificates with a maturity date 1 year and less will result in loss of dividends for 90 days or all dividends earned, whichever is less.
  • Early withdrawal for share certificates with a maturity date over 1 year will result in loss of dividends for 180 days or all dividends earned, whichever is less.

Super Savings Accounts:

  • Minimum balance of $2,500 is required to open a Super Savings Account. Dividends are earned on all balances.
  • Deposits must be made in increments of $250 or more and withdrawals must be made in increments of $500 or more.

Christmas Club Accounts:

  • Christmas Club Account balances are automatically transferred to your savings account on November 1st each year.
  • Early withdrawals will result in a $10 fee.
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