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Rates

 

Printable rate sheet.
Savings105/17/2013
Deposit Amount Dividend Rate2 Annual Percentage Yield
$0 - $9,999.99 .10% .10%
$10,000 - $24,999.99 .15% .15%
$25,000+ .25% .25%
1You must keep a balance of $5 in savings to retain your membership.
2Rate may change after account is opened.

Money Market Savings105/17/2013
Deposit Amount Dividend Rate Annual Percentage Yield
$2,500 - $9,999.99 .25% .25%
$10,000 - $24,999.99 .25% .25%
$25,000 - $49,999.99 .35% .35%
$50,000 - $99,999.99 .35% .35%
$100,000+ .50% .50%
1Minimum balance required for Money Market Savings to earn stated rate is $2,500. Annual percentage yield is accurate as of specified date.

Premium Money Market Savings105/17/2013
Deposit Amount Dividend Rate Annual Percentage Yield
$20,000 - $24,999.99 .40% .40%
$25,000 - $49,999.99 .50% .50%
$50,000 - $99,999.99 .50% .50%
$100,000+ .60% .60%
1Minimum balance required for Premium Money Market Savings to earn stated rate is $20,000. Annual percentage yield is accurate as of specified date.

Checking105/17/2013
Dividend Rate Annual Percentage Yield
  .10% .10%
1Minimum opening balance $25. Rate may change after account is opened. Dividends are compounded and credited monthly.

Certificates105/17/2013
3 months Dividend Rate Annual Percentage Yield
$1,000 - $9,999.99 .20% .20%
$10,000 - $24,999.99 .25% .25%
$25,000 - $49,999.99 .30% .30%
$50,000 - $99,999.99 .30% .30%
$100,000 + .35% .35%
6 months    
$1,000 - $9,999.99 .25% .25%
$10,000 - $24,999.99 .30% .30%
$25,000 - $49,999.99 .35% .35%
$50,000 - $99,999.99 .35% .35%
$100,000 + .40% .40%
1 year    
$1,000 - $9,999.99 .35% .35%
$10,000 - $24,999.99 .40% .40%
$25,000 - $49,999.99 .45% .45%
$50,000 - $99,999.99 .45% .45%
$100,000 + .50% .50%
2 years    
$1,000 - $9,999.99 .45% .45%
$10,000 - $24,999.99 .50% .50%
$25,000 - $49,999.99 .55% .55%
$50,000 - $99,999.99 .55% .55%
$100,000 + .60% .60%
3 years    
$1,000 - $9,999.99 .65% .65%
$10,000 - $24,999.99 .70% .70%
$25,000 - $49,999.99 .75% .75%
$50,000 - $99,999.99 .75% .75%
$100,000 + .80% .80%
4 years    
$1,000 + .90% .90%
5 years    
$1,000 + 1.00% 1.00%
1Minimum opening balance is $1,000. A penalty may be imposed for early withdrawal. Rates are accurate as of specified date and are subject to change.

IRAs/ESAs105/17/2013
Dividend Rate Annual Percentage Yield
IRA/ESA savings .45% .45%
1The rate is accurate as of specified date. Variable rate may change after account is open.

New Auto (current model year or newer)105/17/2013
Annual Percentage Rate As Low As2
Up to 4 years 2.99%
Up to 5 years 2.99%
Up to 6 years 3.39%
1Rates are accurate as of specified date and are subject to change without notice.
2Actual rate is based on applicant's credit history.

Used Auto (2006-2012)105/17/2013
Annual Percentage Rate As Low As2
Up to 4 years 3.09%
Up to 5 years3 3.29%
1Rates are accurate as of specified date and are subject to change without notice.
2Actual rate is based on applicant's credit history.
36 year financing available for collateral meeting specific criteria.

Used Auto (2005 and older)105/17/2013
Annual Percentage Rate As Low As2
Up to 4 years 5.49%
1Rates are accurate as of specified date and are subject to change without notice.
2Actual rate is based on applicant's credit history.

Large RV/Boat (loans $25,000 +)205/17/2013
Annual Percentage Rate As Low As1
Up to 8 years 5.99%
Up to 10 years 6.49%
1Actual rate is based on applicant's credit history.
2Rates are accurate as of specified date and are subject to change without notice.

ATV, snowmobiles, etc.205/17/2013
Annual Percentage Rate As Low As1
Up to 4 years 5.99%
Up to 5 years 6.29%
1Actual rate is based on applicant's credit history.
2Rates are accurate as of specified date and are subject to change without notice.

Visa Platinum - variable rate05/17/2013
Annual Percentage Rate
7.25%

Visa Classic - variable rate05/17/2013
Annual Percentage Rate
11.25%

Personal105/17/2013
Annual Percentage Rate (as low as)2
Personal loan 8.99%
Personal line of credit 11.90%
1Rates are accurate as of specified date and are subject to change without notice.
2Actual rate is based on applicant's credit history.

Home Equity305/17/2013
Maximum Loan to Value Maximum Term Annual Percentage Rate As Low As1 Loan Limits4
80% 6 years fixed 4.99% Min $5,000
Max $200,000
80% 5 year balloon2 4.99% Min $5,000
Max $200,000
80% 10 years 5.29% Min $5,000
Max $200,000
100% 6 years fixed 5.99% Min $5,000
Max $150,000
100% 5 year balloon2 5.99% Min $5,000
Max $150,000
100% 10 years 6.05% Min $5,000
Max $150,000
1Actual rate is based on applicant's credit history.
2Up to 15 year amortization with a 5-year balloon.
3Rates are accurate as of specified date and are subject to change without notice.
4Closing costs ranging from $0 - $1,000 may be charged for a Home Equity loan.

Home Equity Line of Credit Variable Rate305/17/2013
Maximum Loan to Value Draw Period Annual Percentage Rate1 Loan Limits2
80% 15 years 3.25% Min $5,000
Max $150,000
1The variable loan rate is subject to change the first day of each calendar month, based on the external prime lending rate index published in "The Wall Street Journal" in effect at the close of the fifteenth day of the preceding month (i.e., July 1-31, the rate would be determined based on the June 15 prime rate). Any rate change will affect existing balances as well as future advances. The maximum rate is 16.00%.
2Minimum payment is $15 per thousand or $50 per month, whichever amount is greater. Initial advance must be at least $5,000, after that, $100. When an advance is given, the new payment amount is disclosed on the receipt.
3Closing costs ranging from $0 - $1,000 may be charged for a Home Equity loan.

First Lien Home Equity Loan Fixed Rate205/17/2013
Maximum Loan to Value Maximum Term Annual Percentage Rate As Low As1 Loan Limits3
80% 10 years or 15 years w/ 10 year balloon 3.69% Min $5,000
Max $200,000
1Actual rate is based on applicant's credit history.
2Rates are accurate as of specified date and are subject to change without notice.
3Closing costs ranging from $0 - $1,000 may be charged for a Home Equity loan.

Conventional Mortgage05/17/2013
Term3 Rate1 Annual Percentage Rate2
15 year fixed 2.750% 2.966%
20 year fixed 3.250% 3.417%
30 year fixed 3.500% 3.620%
5 year balloon 2.625% 3.235%
7 year balloon 2.875% 3.319%
1Rates are subject to change without notice and are based on a 30-day lock in period. These rates are for example purposes only and are not to enter into a loan agreement at a specified interest rate.
2APR is based on a $100,000 mortgage with a .75% origination fee and a 20% down payment.
3If you are interested in an Adjustable Rate Mortgage (ARM), please contact a Mortgage Loan Officer at 507-535-1460 or 800-535-2129.

Savings Secured05/17/2013
Annual Percentage Rate As Low As
4.00%

Certificate Secured105/17/2013
Annual Percentage Rate As Low As
2% over stated rate
1Rates are accurate as of specified date and are subject to change without notice.

Lot Loan105/17/2013
Term Rate2 Annual Percentage Rate3
5 year ballon 8.250% 8.422%
6 year fixed 8.250% 8.621%
1Available in Arizona, Florida, Iowa, Minnesota and Wisconsin
2Rates are accurate as of specified date and are subject to change without notice.
3APR is based on a $100,000 loan with a .75% origination fee.

Private Student Loans404/01/2013
FACS Grade Base Rate1 Loan Margin2 Upfront Fee3
Platinum Honors 0.30% 3.90% 2.50%
Platinum Plus 0.30% 5.09% 2.50%
Gold Honors 0.30% 6.90% 2.50%
Gold Plus 0.30% 7.90% 2.50%
Silver Honors 0.30% 8.90% 2.50%
Silver Plus 0.30% 9.90% 2.50%
1* The Base Rate adjusts quarterly on the first day of January, April, July and October. We use the average of the 3-Month LIBOR, as reported by the Wall Street Journal on the 1st of each month, for the last three months preceding the adjustment date.
2Base Rate + Loan Margin = Quarterly Adjusted Variable Loan Rate
3Upfront fee is rolled into loan balance, no funds needed at closing.
4Rates are accurate as of specified date and are subject to change without notice.

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