Rates current as of February 1, 2021.
Deposit Rates
Savings & Club Account Rates
| Type | APY* |
|---|---|
| Regular Share Savings | 0.05% |
| Christmas Club Savings | 0.03% |
| Special Needs/Sub Savings | 0.03% |
| Vacation Club Savings | 0.03% |
*APY = Annual Percentage Yield. $5 minimum balance to open but $300 minimum to earn interest on regular Shares.
Money Market Rates
| Type | APY* |
|---|---|
| Money Market Share Account (Less than $20,000) | 0.20% |
| Money Market Share Account ($20,000 or More) | 0.30% |
Interest Earning Checking Account Rates
| Type | APY* |
|---|---|
| Gem City Checking | |
| $0 min balance | 0.05% |
| $2,500 min balance | 0.05% |
| $10,000 min balance | 0.15% |
| $25,000 min balance | 0.25% |
*APY = Annual Percentage Yield.
Share Certificate Rates
| Type/Term | APY* |
|---|---|
| 6 Month Certificate ($500 min.) | 0.40% |
| 12 Month Certificate ($500min.) | 0.55% |
| 18 Month Certificate ($1,000 min.) | 0.65% |
| 24 Month Certificate ($1,000 min.) | 0.70% |
| 36 Month Certificate ($1,000 min.) | 0.80% |
| 48 Month Certificate ($1,000 min.) | 1.00% |
| 60 Month Certificate ($1,000 min.) | 1.25% |
*APY = Annual Percentage Yield.
IRA Savings Rates
| Type | APY* |
|---|---|
| IRA Variable Savings Account | 0.10% |
IRA Certificate Rates
| Type | APY* |
|---|---|
| 6 Month Certificate ($500 min.) | 0.40% |
| 12 Month Certificate ($500 min.) | 0.55% |
| 18 Month Certificate ($1,000 min.) | 0.65% |
| 24 Month Certificate ($1,000 min.) | 0.70% |
| 36 Month Certificate ($1,000 min.) | 0.80% |
| 48 Month Certificate ($1,000 min.) | 1.00% |
| 60 Month Certificate ($1,000 min.) | 1.25% |
*APY = Annual Percentage Yield. Must maintain a $500 minimum balance to earn interest on IRA Variable Savings Account.
Loan Rates
Vehicle Loan Rates
| Type | as low as APR** |
|---|---|
| Vehicle 2018 or newer | |
| up to 63 months | 2.69% |
| 64 to 75 Months ($10,000 min) | 3.19% |
| 76 to 84 Months ($20,000 min) | 4.19% |
| Vehicle 2013-2017 | |
| up to 63 months | 3.89% |
| Motorcycle 2018 or newer | |
| up to 63 months | 3.69% |
| Boat & RV Loan | |
| term varies | 4.69% |
**APR = Annual Percentage Rate. Rated shown is as low as rate. Rates may vary based on credit score, term, and age of collateral.
Home Loan Rates
| Type | APR** |
|---|---|
| First Mortgage | Please Call |
| Second Mortgage | |
| 5 Year Term | 3.25% |
| 10 Year Term | 3.50% |
| 15 Year Term | 3.75% |
| Home Equity Line-Of-Credit | 3.50%* |
*Home Equity Lines of Credit are variable based on the Wall Street Prime Index and may adjust quarterly. Floor rate is 3.50%.
**APR = Annual Percentage Rate. Rates quoted as low as. Rates may vary based on credit score, term, and age of collateral.
Credit Card Rates
| Type | APR** |
|---|---|
| MasterCard all types | 6.90% |
**APR = Annual Percentage Rate. Rates may vary based on credit score.
Personal Loan Rates
| Type | Rate |
|---|---|
| Personal Unsecured Loan | |
| up to 24 months | 6.99% |
| 25 – 60 months | 8.24% |
