TSC & IRA RATES

Rates Effective as of 12/01/20
(*Minimum opening deposit is $1,000; penalties may be imposed for early withdrawal)

CERTIFICATE NAME

DIVIDEND RATE

APY

6-month TSC 0.50% 0.50%
1-year TSC 0.65% 0.65%
18-month TSC 0.70% 0.70%
2-year TSC 0.80% 0.80%
30-month TSC 0.90% 0.90%
3-year TSC 1.00% 1.00%

ROTH IRA’S

DIVIDEND

APY RATE

1-year Roth IRA TSC 0.65% 0.65%
18-month Roth IRA TSC 0.70% 0.70%
2-year Roth IRA TSC 0.80% 0.80%
30-month Roth IRA TSC 0.90% 0.90%
3-year Roth IRA TSC 1.00% 1.00%

ROTH CONVERSION IRA’S

DIVIDEND

APY RATE

1-year Roth Conversion IRA TSC 0.65% 0.65%

TRADITIONAL IRA’S

DIVIDEND

APY RATE

1-year IRA TSC 0.65% 0.65%
18-month IRA TSC 0.70% 0.70%
2-year IRA TSC 0.80% 0.80%
30-month IRA TSC 0.90% 0.90%
3-year IRA TSC 1.00% 1.00%
1-year Traditional Conduit IRA TSC 0.65% 0.65%

COVERDELL EDUCATION IRA

APR

APY

$1,500 – $4,999 0.40% 0.40%
$5,000 – $9,999 0.45% 0.45%
$10,000 – $24,999 0.50% 0.50%
$25,000 – $49,999 0.55% 0.55%
$50,000 and over 0.60% 0.60%

SHARES

APY

Shares 0.20% (Minimum balance $100.00)
Clubs 0.20% (Minimum balance $100.00)

MONEY MARKETS

APY

Tier 1 ($1,500 <= $4,999.99) 0.30%
Tier 2 ($5,000 <= $9,999.99) 0.30%
Tier 3 ($10,000 <= $24,999.99) 0.35%
Tier 4 ($25,000 <= $49,999.99) 0.40%
Tier 5 ($50,000 & up) 0.45%.

*APY = Annual Percentage Yield

*APR = Annual Percentage Rate

Rates are current as of the date posted above and are subject to change without notice. For share and club savings accounts, a minimum balance of $100.00 in required to earn dividends. Money Market accounts are variable rate accounts and the rate may change after the account is opened.  Rates are subject to change at anytime for variable rate accounts.

Calculate Loan Payment

LOAN RATES

Rates Effective as of 10/19/2020

MORTGAGES

Terms APR Restrictions
Apply here! Click here for updated daily rates from OwnersChoice Funding
1st Mortgages, 2nd Homes, Refinances, investment Property, and more.

HOME EQUITY

1st Lien Position 2.75% APR – 60 months
3.25% APR – 120 months
3.75% APR – 180 months
Up to 80% of appraised value (less liens)
2nd Lien Position 3.50% APR – 60 months
4.00% APR – 120 months
4.50% APR – 180 months (second lien position only)
Up to 80% of appraised value (less liens)

HOME EQUITY LINE OF CREDIT

Variable rate based on Prime Rate
Current Rate is 4.00% APR
Up to 80% of appraised value (less liens)
*Rate may change after account is opened
Maximum APR is 17.99%

SHARE SECURED

Terms APR Restrictions
Up to 60 months 5.00% 60 months
61 months to 120 months 6.00% 120 months

PERSONAL LOANS

Terms APR Restrictions
Up to 36 months as low as 5.99% 36 months
37 – 60 months as low as 6.99% 60 months

AUTO, MOTOCYCLES, & TOYS (ATV’S, SNOWMOBILES, JET SKIS, CAMPERS & TRAILERS)

Terms APR Restrictions
Up to 36 months as low as 1.99% Loan to value and term restrictions may apply.
37 months – 48 months as low as 2.24% Loan to value and term restrictions may apply.
49 months – 60 months as low as 2.74% Loan to value and term restrictions may apply.
61 months – 72 months as low as 3.24% Loan to value and term restrictions may apply.
73 months – 84 months as low as 3.74% Loan to value and term restrictions may apply.
$35,000 minimum for auto loans.

NEW BOAT, MOTORHOME, RV & FIFTH WHEEL LOANS

Terms APR Restrictions
up to 120 months as low as 4.74%
121 – 144 months as low as 5.24%
145 – 180 months as low as 5.74%

USED BOAT, MOTORHOME, RV & FIFTH WHEEL LOANS

Terms APR Restrictions
up to 120 months as low as 5.49%
121 – 144 months as low as 6.24%
145 – 180 months as low as 6.49%

OVERDRAFT LINE OF CREDIT

Terms APR Restrictions
12.00% maximum $1,000

STUDENT LOANS

Visit our partner, Sallie Mae for options and details!

BUSINESS LOANS

Visit our partner, First Responders Finance for options and details!

*APR = Annual Percentage Rate

Rates are current as of the date posted above and are subject to change without notice. Factors such as credit history, loan term and loan collateral will determine the Annual Percentage Rate you receive. ‘As low as” interest rates listed include a .25 basis point reduction for loans paid by direct deposit. Variable Rate accounts, the rate may change after the account is opened. Fees could reduce the earnings on your account.

Not responsible for typographical errors.

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