Rates current as of September 9, 2022.

Deposit Rates

Savings & Club Account Rates

TypeAPY*
Regular Share Savings0.05%
Christmas Club Savings0.03%
Special Needs/Sub Savings0.03%
Vacation Club Savings0.03%
Youth Account ($5 – $1,000)5.12%
Youth Account (above $1,000)0.03%

*APY = Annual Percentage Yield. $5 minimum balance to open but $300 minimum to earn interest on regular Shares. Monthly maintenance fees may be assessed if account falls below minimum balance and may reduce earnings. Rates subject to change. Christmas Clubs are subject to an early withdrawal penalty.

Money Market Rates

TypeAPY*
Money Market Share Account (Less than $20,000)0.15%
Money Market Share Account ($20,000 or More)0.25%

*APY = Annual Percentage Yield. Rates subject to change.

Interest Earning Checking Account Rates

TypeAPY*
Gem City Checking 
$0 min balance0.15%
$2,500 min balance0.35%
$10,000 min balance0.45%
$25,000 min balance0.50%

*APY = Annual Percentage Yield. Rates subject to change.

Share Certificate Rates

Type/TermAPY*
6 Month Certificate ($500 min.)2.25%
12 Month Certificate ($500 min.)2.55%
18 Month Certificate ($1,000 min.)2.65%
24 Month Certificate ($1,000 min.)2.75%
36 Month Certificate ($1,000 min.)2.85%
48 Month Certificate ($1,000 min.)3.65%
60 Month Certificate ($1,000 min.)3.80%

*APY = Annual Percentage Yield. Rates subject to change. Share Certificates are subject to early withdrawal penalties.

IRA Savings Rates

TypeAPY*
IRA Variable Savings Account0.10%

IRA Certificate Rates

TypeAPY*
6 Month Certificate ($500 min.)2.25%
12 Month Certificate ($500 min.)2.55%
18 Month Certificate ($1,000 min.)2.65%
24 Month Certificate ($1,000 min.)2.75%
36 Month Certificate ($1,000 min.)2.85%
48 Month Certificate ($1,000 min.)3.65%
60 Month Certificate ($1,000 min.)3.80%

*APY = Annual Percentage Yield. Must maintain a $500 minimum balance to earn interest on IRA Variable Savings Account. Rates are subject to change and may change after account opening.

Loan Rates

Vehicle Loan Rates

Typeas low as APR**
Vehicle 2019 or newer
up to 63 months4.99%
64 to 75 Months ($10,000 min)5.39%
76 to 84 Months ($20,000 min)6.49%
Vehicle 2018 & Older
up to 63 months5.69%
Motorcycle 2019 or newer
up to 63 months5.79%
Boat & RV Loan
term varies6.99%
ATV
term varies5.79%

**APR = Annual Percentage Rate. Rated shown is as low as rate. Rates may vary based on credit score, term, and age of collateral.

A $20,000 new car loan for a term of 60 months at 2.44% APR, the monthly payment would be $354.45.

Home Loan Rates

Typeas low as APR**
First MortgagePlease Call
Second Mortgage
5 Year Term5.25%
10 Year Term5.75%
15 Year Term6.00%
Home Equity Line-Of-Credit5.75%*

*Home Equity Lines of Credit are variable based on the Wall Street Prime Index and may adjust quarterly. Floor rate is 3.25%. Maximum APR is Prime plus 4%.

**APR = Annual Percentage Rate. Rates quoted as low as. Rates may vary based on credit score, term, and age of collateral.

 

Credit Card Rates

Typeas low as APR**
MasterCard all types6.90%

**APR = Annual Percentage Rate. Rates may vary based on credit score.

Personal Loan Rates

Typeas low as APR**
Personal Unsecured Loan
up to 24 months8.99%
25 – 60 months10.24%
iCash Loan
18 months10.24%

**APR = Annual Percentage Rate. Rates may very based on credit score and term.

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