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Savings Rates

Savings Accounts
Effective Date: as of August 1, 2019
Account TypeMinimum Balance to Receive DividendInterest RateAnnual Percentage Yield (APY)*Compounded/Paid
Savings $5 0.15% 0.15% Monthly/Monthly
Christmas Club $1 0.15% 0.15% Monthly/Monthly
Money Market $1,000 - $9,999 0.35% 0.35% Daily/Monthly
Money Market $10,000 & Over 0.40% 0.40% Daily/Monthly
Super Saver Account $25,000 - $49,999 0.55% 0.55% Daily/Quarterly
Super Saver Account $50,000 & Over 0.65% 0.65% Daily/Quarterly
Miscellaneous Savings $1 0.15% 0.15% Monthly/Monthly
IRA Share $1 & Over 0.15% 0.15% Monthly/Monthly
IRA Super Saver $25,000 - $49,999 0.55% 0.55% Daily/Quarterly
IRA Super Saver $50,000 & Over 0.65% 0.65% Daily/Quarterly
Super Saver Account is a Split Tier and each Tier will receive the Interest that applies.
Fees may reduce earnings.

Checking Accounts
Effective Date: as of December 3, 2018
Account TypeMinimum Balance to Receive DividendInterest RateAnnual Percentage Yield (APY)*Compounded/Paid
Interest Checking $1,000 0.10% 0.10% Daily/Monthly
Monthly fee if minimum daily balance is not met: $5

Certificate of Deposit
Effective Date: as of August 1, 2019
Certificate TypeMinimum Balance to Receive DividendInterest RateAnnual Percentage Yield (APY)*Compounded/Paid
Youth 3 Month $500 1.00% 1.01% Monthly/Monthly
Youth 6 Month $500 1.25% 1.26% Monthly/Monthly
Youth 12 Month $500 1.50% 1.51% Quarterly/Quarterly
3 Month $1,000 1.00% 1.01% Monthly/Monthly
6 Month $1,000 1.25% 1.26% Monthly/Monthly
12 Month $1,000 1.50% 1.51% Quarterly/Quarterly
18 Month $1,000 1.75% 1.76% Quarterly/Quarterly
24 Month $1,000 2.10% 2.12% Quarterly/Quarterly
30 Month $1,000 2.25% 2.27% Quarterly/Quarterly
36 Month $1,000 2.40% 2.42% Quarterly/Quarterly
39 Month Bump Up $1,000 2.60% 2.63% Quarterly/Quarterly
48 Month $1,000 2.65% 2.68% Quarterly/Quarterly
60 Month $1,000 2.90% 2.93% Quarterly/Quarterly
*Annual Percentage Yield is the total amount of interest paid on an account, based on the interest rate and the frequency of monthly compounding for a 365-day period, and expressed as a percentage. This rate assumes that a set amount is on deposit at the beginning of the interest period, that no deposits or withdrawals are made during the dividend period and funds remain on deposit for one full year at the same interest rate. Fees may reduce earnings. A fee may be charged for early withdrawal of a fixed-term certificate or IRA. Rates are expressed as an annual percentage yield (APY) and are subject to change without notice.

Traditional and Roth IRA Certificates
Effective Date: as of August 1, 2019
Certificate TypeMinimum Balance to Receive DividendInterest RateAnnual Percentage Yield (APY)*Compounded/Paid
3 Month $1,000 1.00% 1.01% Monthly / Monthly
6 Month $1,000 1.25% 1.26% Monthly / Monthly
12 Month $1,000 1.50% 1.51% Quarterly/Quarterly
18 Month $1,000 1.75% 1.76% Quarterly/Quarterly
24 Month $1,000 2.10% 2.12% Quarterly/Quarterly
30 Month $1,000 2.25% 2.27% Quarterly/Quarterly
36 Month $1,000 2.40% 2.42% Quarterly/Quarterly
48 Month $1,000 2.65% 2.68% Quarterly/Quarterly
60 Month $1,000 2.90% 2.93% Quarterly/Quarterly
*Annual Percentage Yield is the total amount of interest paid on an account, based on the interest rate and the frequency of monthly compounding for a 365-day period, and expressed as a percentage. This rate assumes that a set amount is on deposit at the beginning of the interest period, that no deposits or withdrawals are made during the interest period and funds remain on deposit for one full year at the same interest rate. Fees may reduce earnings. A fee may be charged for early withdrawal of a fixed-term certificate or IRA. Rates are expressed as an annual percentage yield (APY) and are subject to change without notice.

Coverdell ESA Certificates
Effective Date: as of August 1, 2019
Certificate TypeMinimum Balance to Receive DividendInterest RateAnnual Percentage Yield (APY)*Compounded/Paid
3 Month $500 1.00% 1.01% Monthly / Monthly
6 Month $500 1.25% 1.26% Monthly / Monthly
12 Month $500 1.50% 1.51% Quarterly/Quarterly
18 Month $500 1.75% 1.76% Quarterly/Quarterly
24 Month $500 2.10% 2.12% Quarterly/Quarterly
30 Month $500 2.25% 2.27% Quarterly/Quarterly
36 Month $500 2.40% 2.42% Quarterly/Quarterly
48 Month $500 2.65% 2.68% Quarterly/Quarterly
60 Month $500 2.90% 2.93% Quarterly/Quarterly
*Annual Percentage Yield is the total amount of interest paid on an account, based on the interest rate and the frequency of monthly compounding for a 365-day period, and expressed as a percentage. This rate assumes that a set amount is on deposit at the beginning of the interest period, that no deposits or withdrawals are made during the interest period and funds remain on deposit for one full year at the same interest rate. Fees may reduce earnings. A fee may be charged for early withdrawal of a fixed-term certificate or IRA. Rates are expressed as an annual percentage yield (APY) and are subject to change without notice.

Loan Rates

New Auto Loan Rates
Effective Date: as of September 9, 2019
Loan Term \ DetailsYear of VehicleAPR*
Up to 36 Months 2019 - 2020 3.35%
37 to 60 Months 2019 - 2020 3.35%
61 to 72 months 2019 - 2020 3.55%
73 to 84 Months
(Minimum $10,000 Loan)
2019 - 2020 5.00%
*Annual Percentage rate. Rates listed represent our best rates. Rates, terms and conditions vary based on creditworthiness, qualifications and collateral conditions. All loans are subject to approval and rates are subject to change without notice.

To view Payment Examples please select the hyperlinks on each loan rate.

Used Auto Loan Rates
Effective Date: as of September 9, 2019
Loan Term \ DetailsYear of VehicleAPR*
Up to 36 months 2009 & Newer 3.35%
37 to 48 Months 2010 & Newer 3.35%
Up to 60 Months 2013 & Newer 3.35%
61 to 66 Months 2015 & Newer 3.55%
61 to 72 Months 2016 & Newer 3.55%
*Annual Percentage rate. Rates listed represent our best rates. Rates, terms and conditions vary based on creditworthiness, qualifications and collateral conditions. All loans are subject to approval and rates are subject to change without notice.

To view Payment Examples please select the hyperlinks on each loan rate.

Mortgage Rates
Effective Date: as of August 14, 2019
DescriptionLoan Term \ DetailsAPR*
10 Year Balloon Payments amortized 360 months 3.10%
5% Down Payment Option Available**
Contact Jolt for your Balloon mortgage quote
15 & 30-Year
Fixed Mortgage Products
Click here for current rates & terms available  
*Annual Percentage rate. Rates listed represent our best rates. Rates, terms and conditions vary based on creditworthiness, qualifications and collateral conditions. All loans are subject to approval and rates are subject to change without notice.

To view Payment Examples please select the hyperlinks on each loan rate.

**5% down payment and private mortgage insurance are required. First lien mortgage required on a qualified Michigan residential property. Payment Example based on purchase price of $100,000.00 and amortized over a 30 year period: $96,757.50 loan amount at 3.10% APR will result in 119 monthly payments of approximately $413.17 and one (1) balloon payment of approximately $74,244.12. Rates, terms, and fees are our lowest rates, terms, and fees offered as of August 14, 2019. Payment amount example does not include taxes or hazard insurance premiums, and the actual payment obligation will be higher. This is a closed end loan product.  There are no draw privileges.

2nd Mortgage Rates - 90% Lending
Effective Date: as of April 2, 2018
DescriptionLoan Term \ DetailsAPR*
Home Equity Line of Credit 60 Months 4.75%
Fixed 2nd Mortgage 120 Months 6.25%
*Annual Percentage rate. Rates listed represent our best rates. Rates, terms and conditions vary based on creditworthiness, qualifications and collateral conditions. All loans are subject to approval and rates are subject to change without notice.

To view Payment Examples please select the hyperlinks on each loan rate.

Miscellaneous Loans
Effective Date: as of December 3, 2018
DescriptionLoan Term \ DetailsAPR*
Balance Transfer Loans Up to 60 Months 9.00%
Large RV's 60 Months Amortized 180 Mo. 4.50%
Large RV's 121 to 180 Months Fixed 5.75%
Motorcycles, ATV's, Jet Ski's Up to 60 Months 4.50%
New & Used Boat Loans Up to 60 Months 4.50%
Season Loan
(Everything +, Summer Fun maximum of $10,000)
Up to 36 Months 6.25%
Share-Secure Loan Up to 12 Months 3.15%
Share-Secure Loan Up to 36 Months 4.15%
Signature Loan Up to 60 Months 9.75%
Small RV's Up to 60 Months 4.50%
RV's 61 to 120 Months FIXED 4.99%
Technology Loan
(Maximum $2,500 Loan)
Up to 24 Months 5.25%
Vacation Loan
(Maximum $10,000 Loan)
Up to 36 Months 6.25%
Platinum VISA Credit Card   9.90%
*Annual Percentage Rate. Rates listed represent our best rates. Rates, terms and conditions vary based on creditworthiness, qualifications and collateral conditions. All loans are subject to approval and rates are subject to change without notice.

To view Payment Examples please select the hyperlinks on each loan rate.

 

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