Rates

Loan Rates

Products	APR**
Auto (New & Used)	4.50%
Motorcycles, ATVs, UTVs, Snowmobiles & Tractors (New & Used)	5.50%
RVs & Boats (New & Used)	6.75%
Motor Homes (New & Used)	6.75%
Unsecured Personal Loan	8.25%
Shared Secured*	2.25%
Credit Card	As low as 9.99%

Home Equity Line of Credit

Term	APR**
0 to 10 years	6.15%
11 to 15 years	7.00%
16 to 20 years	7.50%

Home Equity Loan

Term	APR**
0 – 10 years	7.00%
11 – 15 years	7.25%
16 – 20	7.85%

Savings Rates

Deposit Account Type	Minimum Balance	Rate
Savings	$100.00	0.25% APY*
Club Savings	$100.00	0.25% APY*
High Yield Savings (HYSA)	$2,500 – $25,000.00 $25,001.00 +	4.05% APY* 0.25% APY*
Checking Account	$0.00	0.00% APY*
Roots Checking	$0.00	0.30%/0.05%^ APY*
Sky Checking	$0.00 – $25,000.00 $25,001.00+	3.00%/0.05%^ APY* 0.30%/0.05% APY*
* – APY Annual Percentage Yield ^ – See Qualification for Rates

Youth Savings
$0.00	$500.00	5.00% APY*
$500.01	Up	0.25% APY*

Money Market Account

TIER STARTING BALANCE	TIER ENDING BALANCE	RATE
$0.00	$2,500.00	0.25% APY*
$2,500.01	$25,000.00	0.65% APY*
$25,000.01	$50,000.00	1.50% APY*
$50,000.01	$150,000.00	2.00% APY*
$150,000.01	Up	2.35% APY*

Shared Certificates

CD’S	Minimum Balance	RATE
6 Month	$500.00	3.95% APY*
12 Month	$500.00	3.85% APY*
24 Month	$500.00	3.65% APY*
36 Month	$500.00	3.40% APY*
48 Month	$500.00	3.25% APY*
* – APY Annual Percentage Yield ^ – See Qualification for Rates

Current as of 11/01/2025.

The Annual Percentage Rate you receive for the above accounts/loans will be within the range disclosed above and is based on certain worthiness criteria. Ask us for the rate that you qualify for.

The cost fees imposed for filing liens will be charged to the borrower. Credit line insurance and disability insurances are available on all loans.

Default Rate: If you do not do everything that is necessary for us to perfect our lien on any collateral given as security for an advance under this plan, we will increase your Annual Percentage Rate to 18%.

Your minimum monthly payment will never be less than $50.00 (monthly).

Fee Disclosure: Membership Fee: $5.00. Dormant Account Fee: $5.00 (per month after one year of dormant status).

Other fees may apply, see Fee Schedule opens in a new window for a list of all fees.

Collection Costs: You promise to pay all costs of collecting the amount you owe under this agreement including court costs and reasonable attorney fees.

APR = Annual Percentage Rate.

** The variable APR is subject to increase.

^Rates for these products are as low as stated. Rate is based on an evaluation of applicant credit. Rate is also based on the selected term and loan to value for vehicle loans. Total amount financed, term, and use of either MSRP or Factory Invoice for new vehicle values is based on an evaluation of applicant credit. Values are determined from either MSRP or Factory Invoice for new vehicles and NADA book value for used vehicles. Your rate and total amount financed may vary from the stated rate and maximum financing.