

Type | APY* | Div Rate |
---|---|---|
Shares/Savings | .10% | .10% |
Secondary Shares | .10% | .10% |
MMA Min Balance APY Div Rate
$0 .10% .10%
$2,500 .10% .10%
$10,000 .10% .10%
$25,000 .15% .15%
$50,000 .20% .20%
$100,000 .20% .20%
$250,000 .25% .25%
Regular and IRA Savings Certificate Rates
Term | Dividend Rate | APY |
---|---|---|
< 12 months | .25% | .25% |
12 months | .30% | .30% |
18 months* | .35% | .35% |
24 months | .40% | .40% |
36 months | .55% | .55% |
48 months | .65% | .65% |
60 months | .70% | .70% |
First Step and Home Buyer Savings Certificate Rates
Effective Date 01/01/2021
Term
Div Rate APY Min Balance
12-23 month .30% .30% $25*
24-35 month .40% .40% $25*
36-47 month .55% .55% $25*
48-59 month .65% .65% $25*
60 month .70% .70% $25*
Home Buyer .40% .40% $25*
IRA Min Balance APY* Div Rate
$0.01 .20% .20%
$5,000 .20% .20%
$20,000
.25% .25%
HSA Min Balance APY* Div Rate
$0.01 .20% .20%
$5,000 .20% .20%
$20,000
.25% .25%
Effective Date 01/01/2021
APY* Div Rate ESA-Min Balance
.20% .20% $0.01
.20% .20% $5,000
.25% .25% $20,000

Loan Term
APR* as low as Type
60 Months 1.99% Fixed
72 Months 2.49% Fixed
84 Months 3.49% Fixed
60 month loan at 1.99% APR has payment of $17.52 per $1,000 borrowed. 72 month loan at 2.49% APR has payment of $14.97 per $1,000 borrowed. 84 month loan at 3.49% APR has payment of $13.44 per $1,000 borrowed.
Term
APR* as low as Type
72 months 5.49% Fixed
84 months 5.49% Fixed
120 months 5.99%
Fixed
72 month loan at 5.49% APR has payment of $16.34 per $1,000 borrowed. 84 month loan at 5.49% APR has payment of $14.37 per $1,000 borrowed. 120 month loan at 5.99% APR has payment of $11.10 per $1,000 borrowed.



Rate Type
APR* Type
12 months 6.24% Fixed
36 months 7.24% Fixed
48 months 8.24% Fixed
Up to 48 mos. 5.24% Variable
Overdraft L.O.C. 18.00% Fixed
12 month loan at 6.24% APR has payment of $86.19 per $1,000 borrowed. 36 month loan at 7.24% APR has payment of $30.99 per $1,000 borrowed. 48 month loan at 8.24% APR has payment of $24.53 per $1,000 borrowed.
Rate Type
APR* Type
VISA Platinum Rewards
8.49% Variable
VISA Platinum Low Rate 6.99% Variable
See the following VISA Disclosures:

Type/Term Int. Rate** APR* Orig. Fee
30 yr-Conv. 3.125% 3.169% 0.00%
30 yr-7/1 ARM 3.00% 3.295% 1.00%
15 yr- con 2.75% 2.821% 0.00%
Term
Rate Origination
5 years 2.74% 0.00%
7 years 2.74% 0.00%
10 Years 2.74% 0.00%
12 Years 2.99% 0.00%
60 month loan at 2.74% APR has payment of $17.85 per $1,000 borrowed. 84 month loan at 2.74% APR has payment of $13.10 per $1,000 borrowed. 120 month loan at 2.74% APR has payment of $9.54 per $1,000 borrowed. 144 month loan at 2.99% APR has payment of $8.27 per $1,000 borrowed.
2nd Mortgage Term
APR*
5 Years 4.49%
7 Years 4.74%
10 Years 4.99%
12 Years
5.49%
15 years 5.49%
60 month loan at 4.49% APR has payment of $18.64 per $1,000 borrowed. 84 month loan at 4.74% APR has payment of $14.01 per $1,000 borrowed. 120 month loan at 4.99% APR has payment of $10.60 per $1,000 borrowed. 144 month loan at 5.49% APR has payment of $9.50 per $1,000 borrowed. 180 month loan at 5.49% APR has payment of $8.17 per $1,000 borrowed.
Loan-to-Value APR* Open-End/Variable Rate-Max Amount
Up to 100% 4.00% $50,000
Up to 80% 4.00% $250,000
Type/Term | Rate | Origination | LTV |
---|---|---|---|
Construction <12 mo | 3.80% | 0.80% | 80% |
30/5 Balloon Lot Loan | 5.00% | 1.00% | 80% |
30/2 Balloon Lot Loan | 4.80% | 1.00% | 80% |
10 Year Lot Loan | 5.50% | 1.00% | 75% |



Type
APY* Div Rate Min Balance/Mo. Fee
Business Savings .10% .10% $5/none
Organizational Savings .10% .10% $5/none
Effective Date 01/01/2021
Term
APY* Div Rate
< 12 months .25% .25%
12 months .30% .30%
18 months* .35% .35%
24 months .40% .40%
36 months .55% .55%
48 months .65% .65%
60 months .70% .70%
Effective Date 01/01/2021
MMA Min Balance APY* Div Rate
$0 .10% .10%
$2,500 .10% .10%
$10,000 .10% .10%
$25,000 .15% .15%
$50,000 .20% .20%
$100,000 .20% .20%
$250,000 .25% .25%
MMA Min Balance | APY* | Div Rate | Monthly Fee |
---|---|---|---|
$0 | .10% | .10% | $10 |
$2,500 | .10% | .10% | $10 |
$10,000 | .10% | .10% | $10 |
$25,000 | .15% | .15% | $10 |
$50,000 | .20% | .20% | $10 |
$100,000 | .20% | .20% | $10 |
$250,000 | .25% | .25% | $10 |
Type
Min Balance APY* Div Rate Monthly Fee
SEP $25
.20% .20% None
SEP $5000 .20% .20%
None
SEP $20,000
.25% .25% None

Loan Term | APR* as low as | Type |
---|---|---|
60 Months | 1.99% | Fixed |
72 Months | 2.49% | Fixed |
84 Months | 3.49% | Fixed |
Rate Type | APR* | Type |
---|---|---|
Business Low Rate | 8.99% | Variable |
Business Rewards | 10.49% | Variable |
Contact our Business Department for current rates 801-288-3070.
Loan Term | APR* as low as | Origination Fee | LTV |
---|---|---|---|
<24 months | 3.80% | 0.80% | 80% |
For current rates please contact our Business Department.
Line of credit must be secured with Real Estate.
