TYPE

INTEREST RATES

APY

Minimum

Shares (Savings) $25- $4,999

0.10%**

0.11%**

$25.00

Shares (Savings) $5,000- $49,999

0.15%**

0.16%**

$5,000.00

Shares (Savings) $50,000 and above

0.20%**

0.21%**

$50,000.00

Draft (ATM/Debit)

0.10%**

0.11%**

$0.00

90 Day Certificate of Deposit

0.25%

0.26%

$500.00

6 Month Certificate of Deposit

0.35%

0.36%

$500.00

12 Month Certificate of Deposit

0.45%

0.46%

$500.00

12 Month Youth CD (0-18yrs) may deposit a minimum of $20 twice a month ($10,000 maximum per member)

0.70%

0.71%

$100.00

24 Month Certificate of Deposit

0.65%

0.66%

$500.00

24 Month Plus Certificate of Deposit

0.85%

0.86%

$20,000.00

36 Month Certificate of Deposit

.90%

.91%

$500.00

48 Month Certificate of Deposit

.95%

.96%

$500.00

60 Month Certificate of Deposit

1.05%

1.06%

$500.00

TYPE

MAXIMUM TERM

INTEREST RATES

APY

Share Loan (2.5% Above Div. Rate)

Variable Rate with a 120 Month Maximum

2.70%*

2.70%*

New Auto

72 Months

2.99%*

2.99%*

Used Auto

72 Months

2.99%*

2.99%*

Personal Loan

12 Months

7.99%*

7.99%*

Personal Loan

24 Months

8.99%*

8.99%*

Personal Loan

36 Months

9.99%*

9.99%*

New RV

120 Months

5.99%*

5.99%*

Used RV

120 Months

5.99%*

5.99%*

New Boat

60 Months

5.99%*

5.99%*

Used Boat

60 Months

5.99%*

5.99%*

New Motorcycle/ATV

60 Months

5.99%*

5.99%*

Used Motorcycle/ATV

60 Months

5.99%*

5.99%*

New Mobile Home

120 Months

9.50%*

9.50%*

Used Mobile Home

120 Months

10.50%*

10.50%*

Real Estate (Land-NM Only)

120 Months

7.25%*

7.25%*

First Mortgage Loan

7 Year Balloon

3.75%

3.75%

First Mortgage Loan

10 Year Fixed

3.89%

3.89%

First Mortgage Loan

15 Year Fixed

3.99%

3.99%

Second Mortgage Loan

10 Year Fixed

4.55%*

4.55%*

Second Mortgage Loan

15 Year Fixed

4.55%*

4.55%*

Open-Ended LOC

Open End

8.25%*

8.25%*

Education LOC

Open End

6.25%*

6.25%*