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Rates

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Deposit Account Rates
Account Type APY* RATE
Share Savings Account .400% .400%
Value Share Draft Account .000% .000%
Premier Share Draft Account .150% .150%
HSA Account $0 - $4,999 .75% .748%
HSA Account $5000 & Up 1.00% .996%
Other Accounts (Holiday, Vacation, Fuel & Tax) .400% .400%
Money Market Share Accounts - $1,000 - $19,999** .250% .250%
Money Market Share Accounts - $20,000 & $34,999 .350% .350%
Money Market Share Accounts - $35,000 & Above .450% .450%
All rates subject to change without notice.
* Annual Percentage Yield
** The minimum deposit for all Market Share Accounts is $1,000.


Term Share & IRA Certificate Rates
Account type APY* RATE
3 Month Certificate 0.300% 0.300%
6 Month Certificate 0.400% 0.400%
12 Month Certificate 0.500% 0.499%
24 Month Certificate 1.150% 1.144%
36 Month Certificate 1.350% 1.342%
IRA Shares/Payroll 0.549% 0.500%
IRA Term Share ($500 Minimum) 0.600% 0.599%
All rates subject to change without notice.
The minimum deposit for all Term Share Certificates is $1,000.
Penalties may be applied for early withdrawal.
* Annual Percentage Yield


Business Deposit Rates*
Business Primary Share Rate
Business Primary Share 0.400%
Business Plus Share Draft Rate
$0-$2,500 No Dividends
$2500 - $5000 0.500%
$5,000 and above 0.750%
Business Money Market Share** Rate
$1,000 - $19,999** 0.250%
$20,000 & $34,999 0.350%
$35,000 & Above 0.450%
Business High Yield** Rate
Business High Yield** 0.850%
*All rates subject to change without notice.
**For days that your balance falls and/or remains below $1,000 you will not earn dividends for that day.


Loan Rates
ACCOUNT TYPE APR** TERM Payment/$1,000
Secured (auto, RV, motorcycle, etc.)- 24 months* 2.20% 24 months $42.63
Secured (auto, RV, motorcycle, etc.)- 36 months* 2.20% 36 months $28.73
Secured (auto, RV, motorcycle, etc.)- 48 months* 2.20% 48 months $21.78
Secured (auto, RV, motorcycle, etc.)- 60 months* 3.00% 60 months $17.97
Secured (auto, RV, motorcycle, etc.)- 72 months* 3.80% 72 months $15.55
Unsecured* 9.70% 48 months $25.23
Home Equity Line of Credit* 3.25% Adj.*** 180 months $8.69***
Home Equity Loan* 3.25% 84 months Call
VISA Cards- Platinum^ Prime + 4%
VISA Cards- Gold (No Annual Fee) 9.99%
VISA Cards- Classic ($15 Annual Fee) 11.90%
VISA Cards- Classic (No Annual fee) 13.90%
Certificate Secured Cert. Rate + 3% Adj.
Share Secured Share Rate + 3% Adj.
Overdraft Protection 15.00%
All rates subject to change without notice.
* Rates "as low as"
** Annual Percentage Rate
***Annual Percentage Rate. Monthly payment of $13.33 per $1000 for 84-months. Auto-payment & online application required. Initial $25 deposit for membership required. Additional restrictions apply.
^All rates subject to change without notice.



Click Here For Mortgage Rates

ARMs & Land Loans
Other Rate* APR** Payment/$1,000
Adjustable Rate Mortgages- Up to 30 Years Call Call Call
Land Loans- 10 Years- 1.5 Points 9.000% 9.355% Call
Construction Loans- 12 months Rate* APR** Payment/$1,000
.50 Point 4.000 9.360 Call
Rates, terms and other product information are available upon request.
Rates, programs and indices are subject to change without notice.
Call about information about financing using "points." Points can lower your rate.
Equal Housing Lender.
* Rates "as low as"
** Annual Percentage Rate
^ Other VHFA Products available.


VISA PLATINUM VISA GOLD VISA CLASSIC
Prime Rate + 4% 9.99% APR 13.90% APR
No Annual Fee No Annual Fee No Annual Fee
or
11.90% APR
$15 Annual Fee
Credit Limit Credit Limit Credit Limit
$5,000 - $15,000 $5,000 - $15,000 $500 - $5,000
Travel Insurance Travel Insurance Travel Insurance
$250,000 $250,000 $150,000


Important Additional Disclosures
 
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