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Savings Rates

Savings Accounts
Effective Date: Sunday, July 12th, 2020
Account TypeMinimum Balance to Receive DividendDividend RateAnnual Percentage Yield (APY)*Compounded/Paid
Savings $5 0.075% 0.075% Monthly/Monthly
Christmas Club $1 0.075% 0.075% Monthly/Monthly
Money Market $1,000 - $9,999 0.275% 0.275% Daily/Monthly
Money Market $10,000 & Over 0.325% 0.325% Daily/Monthly
Super Saver Account $25,000 - $49,999 0.375% 0.375% Daily/Quarterly
Super Saver Account $50,000 & Over 0.475% 0.475% Daily/Quarterly
Miscellaneous Savings $1 0.075% 0.075% Monthly/Monthly
IRA Share $1 & Over 0.075% 0.075% Monthly/Monthly
IRA Super Saver $25,000 - $49,999 0.375% 0.375% Daily/Quarterly
IRA Super Saver $50,000 & Over 0.475% 0.475% Daily/Quarterly
Super Saver Account is a Split Tier and each Tier will receive the dividend that applies.
Fees may reduce earnings.

Share Certificate Account
Effective Date: Sunday, July 12th, 2020
Share Certificate TypeMinimum Balance to Receive DividendDividend RateAnnual Percentage Yield (APY)*Compounded/Paid
Youth 3 Month** $100 0.250% 0.250% Monthly/Monthly
Youth 6 Month** $100 0.600% 0.600% Monthly/Monthly
Youth 12 Month** $100 0.900% 0.900% Quarterly/Quarterly
2020 Summer Youth 12 Month*** $100 4.000% 4.000% At Maturity/At Maturity
3 Month $1,000 0.250% 0.250% Monthly/Monthly
6 Month $1,000 0.600% 0.600% Monthly/Monthly
12 Month $1,000 0.900% 0.900% Quarterly/Quarterly
18 Month $1,000 1.000% 1.010% Quarterly/Quarterly
24 Month $1,000 1.200% 1.210% Quarterly/Quarterly
30 Month $1,000 1.250% 1.260% Quarterly/Quarterly
36 Month $1,000 1.350% 1.360% Quarterly/Quarterly
39 Month Bump Up $1,000 1.400% 1.410% Quarterly/Quarterly
48 Month $1,000 1.450% 1.460% Quarterly/Quarterly
60 Month $1,000 1.500% 1.510% Quarterly/Quarterly
*Annual Percentage Yield is the total amount of dividend paid on an account, based on the dividend 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 dividend period, that no deposits or withdrawals are made during the dividend period and funds remain on deposit for one full year at the same dividend rate. Fees may reduce earnings. A fee may be charged for early withdrawal of a fixed-term share certificate or IRA. Rates are expressed as an annual percentage yield (APY) and are subject to change without notice.
**Subsequent deposits are allowed on Youth Share Certificate Accounts with terms of 3, 6, or 12 months. For minors 17 years of age or younger opening a 3, 6, or 12 month Share Certificate Account, the minimum balance requirement is $100.00 and subsequent deposits are allowed. Promotional share certificates are offered occasionally and have their own terms and conditions.***2020 Summer Youth Share Certificate permits additional deposits up to a share certificate balance of $2,500 during the 12-month term.

Traditional and Roth IRA Share Certificates
Effective Date: Sunday, July 12th, 2020
Share Certificate TypeMinimum Balance to Receive DividendDividend RateAnnual Percentage Yield (APY)*Compounded/Paid
3 Month $1,000 0.250% 0.250% Monthly / Monthly
6 Month $1,000 0.600% 0.600% Monthly / Monthly
12 Month $1,000 0.900% 0.900% Quarterly/Quarterly
18 Month $1,000 1.000% 1.010% Quarterly/Quarterly
24 Month $1,000 1.200% 1.210% Quarterly/Quarterly
30 Month $1,000 1.250% 1.260% Quarterly/Quarterly
36 Month $1,000 1.350% 1.360% Quarterly/Quarterly
48 Month $1,000 1.450% 1.460% Quarterly/Quarterly
60 Month $1,000 1.500% 1.510% Quarterly/Quarterly
*Annual Percentage Yield is the total amount of dividend paid on an account, based on the dividend 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 dividend period, that no deposits or withdrawals are made during the dividend period and funds remain on deposit for one full year at the same dividend rate. Fees may reduce earnings. A fee may be charged for early withdrawal of a fixed-term share certificate or IRA. Rates are expressed as an annual percentage yield (APY) and are subject to change without notice.

Coverdell ESA Share Certificates
Effective Date: Sunday, July 12th, 2020
Share Certificate TypeMinimum Balance to Receive DividendDividend RateAnnual Percentage Yield (APY)*Compounded/Paid
3 Month $500 0.250% 0.250% Monthly / Monthly
6 Month $500 0.600% 0.600% Monthly / Monthly
12 Month $500 0.900% 0.900% Quarterly/Quarterly
18 Month $500 1.000% 1.010% Quarterly/Quarterly
24 Month $500 1.200% 1.210% Quarterly/Quarterly
30 Month $500 1.250% 1.260% Quarterly/Quarterly
36 Month $500 1.350% 1.360% Quarterly/Quarterly
48 Month $500 1.450% 1.460% Quarterly/Quarterly
60 Month $500 1.500% 1.510% Quarterly/Quarterly
*Annual Percentage Yield is the total amount of dividend paid on an account, based on the dividend 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 dividend period, that no deposits or withdrawals are made during the dividend period and funds remain on deposit for one full year at the same dividend rate. Fees may reduce earnings. A fee may be charged for early withdrawal of a fixed-term share certificate or IRA. Rates are expressed as an annual percentage yield (APY) and are subject to change without notice.

Kasasa

Kasasa Cash Rewards Checking
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TierRateAPY
0 - $15,000 2.47% 2.50%
$15,000+ 0.40% 0.40%
Qualifications not met 0.05% 0.05%

Kasasa Saver
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TierRateAPY
0 - $50,000 1.50% 1.50%
$50,000+ 0.40% 0.40%
Qualifications not met 0.05% 0.05%

Kasasa Savings/Checking Accounts (Consumer)
Account TypeMinimum Balance to Earn APYDividend RateAnnual Percentage Yield (APY)Compounded/Paid
Kasasa Cash® Checking
(if qualifications are met)1, 2
$0.00-15,000 2.47% 2.50% Monthly/Monthly
Kasasa Cash® Checking
(if qualifications are met)1, 2
$15,000.00 or greater 0.399% 0.40% to 0.67%3 Monthly/Monthly
Kasasa Cash® Checking
(if qualifications are NOT met) 1
$0.00 0.05% 0.05% Monthly/Monthly
Kasasa Saver®
(if qualifications are met)1, 2
$0.00 - $50,000.00 1.48% 1.50% Monthly/Monthly
Kasasa Saver®
(if qualifications are met) 1
$50,000.00 or greater 0.399% 0.40% to 0.77%4 Monthly/Monthly

Loan Rates

New Auto Loan Rates
Effective Date: as of October 30, 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 October 30, 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 October 30, 2019
DescriptionLoan Term \ DetailsAPR*Interest Rate
10 Year Balloon 20% Down Payment
Payments amortized 360 months
3.276% 3.100%
10 Year Balloon 5% Down Payment
Payments amortized 360 months
3.542% 3.100%
15-Year Fixed
30-Year Fixed
Contact Jolt for Details    
*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.

2nd Mortgage Rates - 90% Lending
Effective Date: as of October 30, 2019
DescriptionLoan Term \ DetailsAPR*Interest Rate
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 April 1, 2020
DescriptionLoan Term \ DetailsAPR*
Large RV's 60 Months 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 3.075%
Share-Secure Loan Up to 36 Months 4.075%
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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