Rates

Loan Rates

Vehicle Loan Rates * E
Model Year 36 Month 48 Month 60 Month
New/2016   4.49% 4.99%
2015-2011   4.49% 4.99%
2010 & Older 6.49% 6.99%  
Secured & Agricultural Loans (Fixed Rate) E
Term APR*
Up to 9 Months 5.75%
Up to 12 Months 6.00%
Up to 36 Months 6.50%
Up to 60 Months 7.00%
Over 60 Months 8.00%
Other Loan Rates E
Loan Type APR*
Variable Rate - Rate subject to change quarterly 7.75%
Line of Credit - Up to 1 Year 6.50%
Signature - Up to 36 Months 14.00%
Real Estate
Call for current mortgage rates or go to www.1stmtg.com

Share Rates

Share/Certificate Secured E
Up to 5 Years 3.00% above dividend rate

*Annual Percentage Rate

Savings Accounts E
Account Rate APY* Min Balance
Shares up to $3,000.00 0.15% 0.15% $5.00
Shares over $3,000.00 0.15% 0.15%  
Daily 0.15% 0.15%  
Money Market Shares 0.30% 0.30% $2,500.00
IRA Shares 0.50% 0.50% $10.00 Min Dep
Share Draft 0.10% 0.10%; avg bal $500.00/mo

*Annaul Percentage Yield

Certificate Term ** E
Term Rate APY* Minimum Balance
91 day 0.20% 0.20% $2,500.00
6 Month 0.30% 0.30% $500.00
1 year 0.40% 0.40% $500.00
18 Month 0.50% 0.50% $500.00
30 Month 0.70% 0.70% $5,000.00

*Annual Percentage Yield
**Penalty for early withdrawal may reduce the APY
E = Loan Rates effective 6/14/12: Certificate rates effective 12/11/12; Share rates effective 01/01/2013