Rates current as of September 29, 2020.

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.

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%
*APY = Annual Percentage Yield.

Interest Earning Checking Account Rates

TypeAPY*
Gem City Checking 
$0 min balance0.05%
$2,500 min balance0.05%
$10,000 min balance0.15%
$25,000 min balance0.25%

*APY = Annual Percentage Yield.

Share Certificate Rates

Type/TermAPY*
6 Month Certificate ($500 min.)0.10%
12 Month Certificate ($500min.)0.20%
18 Month Certificate ($1,000 min.)0.50%
24 Month Certificate ($1,000 min.)0.60%
36 Month Certificate ($1,000 min.)0.70%
48 Month Certificate ($1,000 min.)0.80%
60 Month Certificate ($1,000 min.)0.90%

*APY = Annual Percentage Yield.

IRA Savings Rates

TypeAPY*
IRA Variable Savings Account0.10%

IRA Certificate Rates

TypeAPY*
6 Month Certificate ($500 min.)0.10%
12 Month Certificate ($500 min.)0.20%
18 Month Certificate ($1,000 min.)0.50%
24 Month Certificate ($1,000 min.)0.60%
36 Month Certificate ($1,000 min.)0.70%
48 Month Certificate ($1,000 min.)0.80%
60 Month Certificate ($1,000 min.)0.90%

*APY = Annual Percentage Yield. Must maintain a $500 minimum balance to earn interest on IRA Variable Savings Account.

Loan Rates

Vehicle Loan Rates

Typeas low as APR**
Vehicle 2017 or newer
up to 63 months2.84%
64 to 75 Months ($10,000 min)3.34%
76 to 84 Months ($20,000 min)4.34%
Vehicle 2013-2016
up to 63 months3.94%
Motorcycle 2017 or newer
up to 63 months3.84%
Boat & RV Loan
term varies4.84%

**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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