Rates current as of April 27, 2021.

Deposit Rates

Savings & Club Account Rates

TypeAPY*
Regular Share Savings0.05%
Christmas Club Savings0.03%
Special Needs/Sub Savings0.03%
Vacation Club Savings0.03%

*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 balance0.05%
$2,500 min balance0.05%
$10,000 min balance0.10%
$25,000 min balance0.15%

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

Share Certificate Rates

Type/TermAPY*
6 Month Certificate ($500 min.)0.30%
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.)0.75%
48 Month Certificate ($1,000 min.)0.85%
60 Month Certificate ($1,000 min.)1.12%

*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.)0.30%
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.)0.75%
48 Month Certificate ($1,000 min.)0.85%
60 Month Certificate ($1,000 min.)1.12%

*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 2018 or newer
up to 63 months2.69%
64 to 75 Months ($10,000 min)3.19%
76 to 84 Months ($20,000 min)4.19%
Vehicle 2013-2017
up to 63 months3.89%
Motorcycle 2018 or newer
up to 63 months3.69%
Boat & RV Loan
term varies4.69%

**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

TypeAPR**
First MortgagePlease Call
Second Mortgage
5 Year Term3.25%
10 Year Term3.50%
15 Year Term3.75%
Home Equity Line-Of-Credit3.50%*

*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

TypeAPR**
MasterCard all types6.90%

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

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