Land & Construction Loans

*2018 max term is 66 mos. *Minimum loan of $5,000 for qualified applicants.

A 63-month $25,000 fixed rate secured new auto loan at 5.94% has an approximate monthly payment of $462.92.

*APY=Annual Percentage Yield. APYs accurate as of 5/01/2026. Rates may change after account is opened.

**The following must be met each qualification cycle: ( 1 ) Have at least 1 2 d e b it c a r d p u r chases p o s t a n d settle, ( 2 ) Have at least 1 automatic payment (ACH) or deposit post and settle, and (3) Be enrolled and receive e-statement notice. APY calculations are based on an assumed total account balance of $10,000 plus $25,000. If qualifications are met each monthly qualification cycle: (1) balances up to $10,000 receive APY of 5.12%; and (2) balances over $10,000 earn 0.50% interest rate on portion of balance over $10,000, resulting in a range of 5.12% - 1.80% APY depending on the balance (3) domestic ATM fees up to $4.99 per item will be reimbursed on the last day of your statement cycle. ATM receipt must be presented for $4.99 maximum ATM fee reimbursement if surcharge is $5.00 or higher. Fees may reduce earnings. If qualifications are not met, all balances earn 0.05% APY. Qualifying transactions must post to and settle account during monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post to and settle on account. ATM transactions do not count towards qualifying debit card transactions. “Monthly Qualification Cycle” means a period beginning one day prior to the first day of the current statement cycle through one day prior the close of the current statement c ycle.

Certificate Rates

Certificate rates are subject to change at any time. All other rates are subject to change monthly. Dividends are paid on all open accounts. APY is based on withdrawn dividends, if dividends remain on deposit until maturity APY may be higher. A withdrawal from the Certificate will reduce earnings. Dividends are compounded monthly and credited monthly on all Certificates and IRA Certificate accounts. A penalty may be imposed for withdrawal. Please read the Truth In Savings disclosures for additional information.

***Bump up option on Share Certificates with maturities of 30 months. The “bump” provides the option to increase the certificate rate once during the term of the certificate to the higher rate in effect at the time of the bump

A 48 month $10,000 fixed rate personal loan at 11.00% has an approximate monthly payment of $258.46.

*Loan amounts greater than the Conforming Loan Limit.

A 72 month $10,000 fixed rate secured powersport or recreational vehicle loan at 9.25% has an approximate monthly payment of $176.56.

^†Rates and Annual Percentage Yields (APY) are subject to change without notice and are effective as of 05/01/2026. Fees may reduce earnings on the account.