Rates

Effective March 20, 2017

Savings Accounts Minimum to Open APY* Rate
Smart Savings $5 .150% .149%
Regular / Holiday / IRA Savings 1 $5 .150% .149%
Checking Accounts Minimum to Open APY* Rate
Premier Checking $100 .100% .099%
Primary Checking $100 n/a n/a
Platinum Checking -$5,000-$9,999.99 $100 .200% .199%
Platinum Checking -$10,000+ $100 .200% .199%
New Generation Checking (ages 13-17) $25 n/a n/a
Fresh Start Checking $25 n/a n/a
High Yield Money Market/IRA Accounts2 Minimum to
Open/Earn
APY*
APY* Rate
Gold Star Money Market / IRA Accounts $100,000 0.500% 0.498%
Advantage Money Market / IRA Accounts $50,000 0.400% 0.399%
Index Plus3 Money Market / IRA Accounts $25,000 0.350% 0.349%
Tiered Money Market/IRA Accounts2 Minimum
to Earn
APY*
APY* Rate
Money Market Savings / IRA Account $100,000 0.400% 0.399%
Money Market Savings / IRA Account $50,000 0.300% 0.299%
Money Market Savings / IRA Account $25,000 0.250% 0.249%
Money Market Savings / IRA Account $2,500 0.150% 0.149%
Certificate Accounts4 / IRA Accounts $1,000
APY * / Rate
$10,000
APY * / Rate
$25,000
APY * / Rate
$100,000
APY * / Rate
3-month 0.300%/0.299% 0.350%/0.349% 0.400%/0.399% 0.450%/0.449%
6-month 0.600%/0.598% 0.650%/0.648% 0.700%/0.697% 0.750%/0.747%
12-month 1.000%/0.955% 1.050%/1.044% 1.100%/1.094% 1.150%/1.143%
24-month 1.250%/1.242% 1.350%/1.341% 1.400%/1.391% 1.450%/1.440%
36-month 1.350%/1.341% 1.450%/1.440% 1.500%/1.489% 1.550%/1.539%
48-month 1.450%/1.440% 1.550%/1.539% 1.600%/1.588% 1.650%/1.637%
60-month 1.550%/1.539% 1.700%/1.686% 1.750%/1.736% 1.800%/1.785%

* APY = Annual Percentage Yield. Rates are subject to change without notice. Fees could reduce earnings.
  1. Minimum to earn APY is $0.01.
  2. Balances under the stated minimum earn .150% APY.
  3. The APY is based on the All Taxable Money Market Fund Average 7-Day Simple Yield plus a margin that can range from minus 1.500% to plus 1.500% (currently +.09%).
  4. A penalty may be imposed for early withdrawals.
See disclosures for complete details on terms and conditions for all products and services.
Loan Type Minimum Amount Purchase Rate As Low As2
Up to 66 months $2,000 2.49
Up to 75 months $15,000 2.74
Up to 84 months3 $20,000 2.99
Loan Type Minimum Amount Refinance Rate As Low As2
Up to 66 months $2,000 2.24
Up to 75 months $15,000 2.49
Up to 84 months3 $20,000 2.74
Loan Type Minimum Amount Rate As Low As2
Up to 66 months $2,000 2.49
Up to 75 months $15,000 2.74
Up to 84 months3 $20,000 3.24
Loan Type Minimum Amount Rate As Low As2
Up to 66 months $2,000 2.24
Up to 75 months $15,000 2.49
Up to 84 months3 $20,000 2.99
Loan Type Minimum Amount Rate As Low As2
Up to 66 months $2,000 4.49
Up to 75 months $15,000 4.74
Loan Type Mimimum Amount Rate As Low As2
Up to 66 months $2,000 4.24
Up to 75 months $15,000 4.49
Loan Type Term4 Financing
Amount
Minimum
Amount
Rate As
Low As2
New RV4 Up to 84 months3 Up to 70% of MSRP $5,000 3.99
Used RV (10 years or newer) Up to 84 months3 Up to 80% of Retail Kelley Blue Book $5,000 5.74
New Boats (Personal Watercraft no longer available) Up to 84 months Up to 70% of MSRP $5,000 6.49
Used Boats (10 years or newer, Personal Watercraft no longer available) Up to 84 months Up to 80% of Retail Kelley Blue Book $5,000 6.74
New Motorcycles (excludes dirt bikes) Up to 66 months Up to 100% of MSRP $5,000 5.74
Used Motorcycles (excludes dirt bikes)
(2011-2017)
Up to 66 months Up to 100% of Retail Kelley Blue Book $5,000 5.99
Credit Cards and Lines of Credit Available
Line of Credit
Annual Percentage Rate (APR) For all transactions

Rate Range***
Annual
Fee
Premier Privileges Rewards Mastercard $1,000 to $50,000 0%6 6 Month Introductory Rate
7.50% to 17.00%
Fixed rate based on credit-worthiness
None
Visa $1,000 to $50,000 15.4% Fixed Rate None
Applicable to all Variable Rate Lines of Credit See below 0% to 19.15%
Rate base on product and credit-worthiness. APR will be based on the Prime Rate and will vary with the market.
See below
Standard Mastercard $1,000 - $50,000 0%6 6 Month Introductory Rate
10.15% to 17.15%
None
Student Mastercard $500 - $2,000 0%6 6 Month Introductory Rate
11.00%
None
Secured Mastercard $1,000 - $50,000 12.15% to 19.15% None
Premier First Mastercard $1,000 with Savings 0%6 6 Month Introductory Rate
19.00%
None
Premier First Platinum Mastercard $2,000 with Savings/Checking 0%6 6 Month Introductory Rate
19.00%
None
Overdraft Line of Credit $1,000 - $5,000 12.15% to 19.15% None
Premier Line of Credit $500 - $50,000 9.50% to 17.00% None
Other Loans Available Line/Loan Amount Rate As Low As
Personal Loans $500 - $50,000 8.50%
Savings/Certificate-Secured Loans $500 - $1,500,000 Share/Certificate Rate Plus 3.00% to 3.50% (Variable)

  1. Includes Tax, Title and License plus Guaranteed Asset Protection (GAP), Service Contract, etc.
  2. May increase based on credit worthiness. Rates reflect a .25% discount with vehicle insurance from Premier America and .25% discount for direct deposit with automatic payment. Additional rate discount of .50% if vehicle value is less than 80% of Kelley Blue Book retail value for USED model years (2011-2017).
  3. 84 month terms available for used models, 2013 or newer, with a maximum mileage of 50,000 and minimum loan amount of $20,000.
  4. Vehicles less than 1 year old and less than 12,000 miles.
  5. 101% of Retail Kelley Blue Book includes DMV fee plus GAP and Mechanical Breakdown Protection (MBP).
  6. Plus Tax, Title and License plus Guaranteed Asset Protection (GAP), Service Contract, etc.
See disclosures for complete details on terms and conditions for all products and services.
First Mortgage Home Loans
Click Here to view our fixed and variable rate first mortgage home loans.1
                                                                                     
Home Equity Loans/ Second Mortgages Loan to
Value
Loan Amount Rate As
Low As1
HomeLine (Line of Credit2) 80% $10,000 to $500,000 1.990% (6 month introductory rate) 4.250% (After first 6 months)
Equity/Equity Express (Closed-End Loan) 80% $10,000 to $500,000 5.499%

Rates and terms are subject to loan policies. Rates and Annual Percentage Rate may change daily without notice.
  1. Rates are subject to credit worthiness, amount of loan, type of property and loan to value ratio. HomeLine / HomeLine Express rates reflect .25% discount for direct deposit and automatic payment.
  2. Availability of loans and maximum loan amounts vary by state. Variable rate loans are based on the Prime Rate, as published in The Wall Street Journal, plus margin.
See disclosures for complete details on terms and conditions for all products and services.
Business Checking & Savings Accounts Minimum to
Open
Minimum to
Earn APY*
APY* Rate
Free Business Checking $100 n/a n/a n/a
Platinum Business Checking $100 $5,000 0.200% 0.199%
Platinum Business Checking $100 $10,000 0.200% 0.199%
Business Savings $250 $5 .150% .149%
Business High Yield Money Market Accounts Minimum to
Open/Earn APY*
APY* Rate
Business Gold Star Money Market $100,000 0.500% 0.498%
Business Advantage Money Market $50,000 0.400% 0.399%
Business Index Plus Money Market2 $25,000 0.350% 0.349%
Business Tiered Money Market Accounts Minimum to
Earn APY*
APY* Rate
Business Money Market Savings $100,000 0.400% 0.399%
Business Money Market Savings $50,000 0.300% 0.299%
Business Money Market Savings $25,000 0.250% 0.249%
Business Money Market Savings $2,500 0.150% 0.149%
Business
Certificate
Accounts4
$1,000 APY* /
Rate
$10,000 APY* /
Rate
$25,000 APY* /
Rate
$100,000 APY* /
Rate
3-month 0.300%/0.299% 0.350%/0.349% 0.400%/0.399% 0.450%/0.449%
6-month 0.600%/0.598% 0.650%/0.648% 0.700%/0.697% 0.750%/0.747%
12-month 1.000%/0.955% 1.050%/1.044% 1.100%/1.094% 1.150%/1.143%
24-month 1.250%/1.242% 1.350%/1.341% 1.400%/1.391% 1.450%/1.440%
36-month 1.350%/1.341% 1.450%/1.440% 1.500%/1.489% 1.550%/1.539%
48-month 1.450%/1.440% 1.550%/1.539% 1.600%/1.588% 1.650%/1.637%
60-month 1.550%/1.539% 1.700%/1.686% 1.750%/1.736% 1.800%/1.785%
Business Unsecured
Lines of Credit7
Loan Amount Maximum
Term
Rate6 Origination
or Annual
Fees
Minimum
Adjustment
Period
Business Express Line of Credit $5,000-$50,000 7.00% to 13.50% Adjustable Setup fee: $250 Annual Fee: $100 Monthly
Business Overdraft $1,000-$25,000 7.99% to 14.99% Adjustable n/a Monthly
Business MasterCard $5,000-$35,000 7.99% to 14.99% Adjustable Annual Fee: $50 Monthly
Business Unsecured Loans7 Loan Amount Maximum
Term
Rate Origination
or Annual
Fees
Term Loan $5,000 - $100,000 5 years 6.75% to 13.25% Fixed Setup fee: $250, Annual Fee : $100
Business Secured
Loans7
Loan Amount Maximum
Term
Rate Origination
or Annual
Fees
Secured by Residential Real Estate $50,000 -$500,000 5 years 5.50% to 5.75% Fixed 1/2 point at origination
Secured by Commercial Real Estate $250,000 - $3,500,000 up to 10 years; 25 year amortization Call for quote Call for quote

* APY = Annual Percentage Yield. Rates are subject to change without notice. Fees could reduce earnings.
  1. Balances under the stated minimum earn .150% APY.
  2. The APY is based on the All Taxable Money Market Fund Average 7-Day Simple Yield plus a margin that can range from minus 1.500% to plus 1.500% (currently +.39%).
  3. Requires member to have or to open a Business Checking or Business loan product.
  4. A penalty may be imposed for early withdrawals.
  5. Variable rate loans based on Prime Rate index as published in the Wall Street Journal, plus margin.
  6. Rates and maximums subject to change without notice and subject to credit worthiness, collateral values, and other loan policies. The information furnished here is preliminary. This is not an offer or commitment. Rates, terms and conditions may change without notice. All transactions are subject to approval. Approval terms may vary. See disclosures for complete details on terms and conditions for all products and services.