Rates current as of October 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% |
| 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
| Type | APY* |
|---|---|
| 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
| Type | APY* |
|---|---|
| Gem City Checking | |
| $0 min balance | 0.05% |
| $2,500 min balance | 0.05% |
| $10,000 min balance | 0.10% |
| $25,000 min balance | 0.15% |
*APY = Annual Percentage Yield. Rates subject to change.
Share Certificate Rates
| Type/Term | APY* |
|---|---|
| 6 Month Certificate ($500 min.) | 0.45% |
| 12 Month Certificate ($500min.) | 0.65% |
| 18 Month Certificate ($1,000 min.) | 0.85% |
| 24 Month Certificate ($1,000 min.) | 0.95% |
| 36 Month Certificate ($1,000 min.) | 0.85% |
| 48 Month Certificate ($1,000 min.) | 0.95% |
| 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
| Type | APY* |
|---|---|
| IRA Variable Savings Account | 0.10% |
IRA Certificate Rates
| Type | APY* |
|---|---|
| 6 Month Certificate ($500 min.) | 0.45% |
| 12 Month Certificate ($500 min.) | 0.65% |
| 18 Month Certificate ($1,000 min.) | 0.85% |
| 24 Month Certificate ($1,000 min.) | 0.95% |
| 36 Month Certificate ($1,000 min.) | 0.85% |
| 48 Month Certificate ($1,000 min.) | 0.95% |
| 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
| Type | as low as APR** |
|---|---|
| Vehicle 2018 or newer | |
| up to 63 months | 2.44% |
| 64 to 75 Months ($10,000 min) | 2.98% |
| 76 to 84 Months ($20,000 min) | 3.98% |
| Vehicle 2013-2017 | |
| up to 63 months | 3.64% |
| Motorcycle 2018 or newer | |
| up to 63 months | 3.44% |
| Boat & RV Loan | |
| term varies | 4.44% |
| ATV | |
| term varies | 5.44% |
**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% |
