Rates

Loans

Loans

These rates are effective as of August 1, 2019.

Rates are subject to change and are not guaranteed. For questions concerning current rate information, contact us anytime during regular business hours.

Loans APR* Term
New Car Loans 3.49% – 18.00% 36-84 months
Used Car Loans 3.99% – 18.00% 36-84 months
Recreational Loans 4.75% – 18.00% 60-120 months
Signature Loans/Preferred Line of Credit 10.75% – 18.00% 60 months
Smart Advance 17.25% 6 months
Share Secured Loans 2.00% + Savings Rate
Visa Credit Cards 10.90% – 18.00%
Home Equity Loans (NC Only) * 5.25%

*APR = ANNUAL PERCENTAGE RATE, As a note we are now using risk-based lending and the rates above are at the bottom of the rate curve. Minimum Share Balance of $25.00. A fee will be accessed on all accounts below this minimum. Rates are based on an evaluation of credit history so your rates may differ. Rates subject to change. Actual Rate will be determined based on credit score, a number of rate discounts up to .75%, and the loan term. Home equity rates are variable and the rate is based on the Wall Street Journal prime rate. Call one of our loan officers to find out what rate you will be eligible for.

Savings

Savings

Account Type Rate Yield
Share Savings $25 Minimum .25% .25%
Money Market $2,500 – $9,999 .50% .50%
Money Market $10,000 – $24,999 .55% .55%
Money Market $25,000 – $49,999 .60% .60%
Money Market $50,000 and up .65% .65%
Checking Account .10% .10%
IRA Savings 1.00% 1.00%
6 Month CD ($10,000 minimum) 1.35% 1.35%
1 Year CD ($1,000 minimum) 1.64% 1.65%
2 Year CD ($1,000 minimum) 1.79% 1.80%
3 Year CD ($1,000 minimum) 2.33% 2.35%
5 Year CD ($1,000 minimum) 2.58% 2.60%
1 Year CD ($50,000 minimum) 1.84% 1.85%
2 Year CD ($50,000 minimum) 1.99% 2.00%
3 Year CD ($50,000 minimum) 2.48% 2.50%
5 Year CD ($50,000 minimum) 2.92% 2.95%

*APY = ANNUAL PERCENTAGE YIELD

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We will be closing at Noon on Tuesday, September 24th for our Staff Development Day. We will reopen on Wednesday, September 25th at 9:00 AM. Thank you!