Rates

Loan Type Term Annual Percentage Rate as low as
Fixed Rate Mortgage
15, 20 or 30 Years See Chart to Right
Home Equity Line of Credit

7.00% APR Variable
Home Equity Fixed Rate Loan
Three Years
4.250% APR
Home Equity Fixed Rate Loan
Four Years
4.250% APR
Home Equity Fixed Rate Loan
Five Years
4.250% APR
Home Equity Fixed Rate Loan
Ten Years
4.750% APR
1/1 Adjustable Rate Mortgage
15, 20 or 30 Years
3.250% APR
3/3 Adjustable Rate Mortgage
15, 20 or 30 Years
3.500% APR
5/1 Adjustable Rate Mortgage
15, 20 or 30 Years
3.750% APR
10/1 Adjustable Rate Mortgage
15, 20 or 30 Years
4.000% APR
10 & Done Mortgage Freedom
10 Years
3.990% APR
Investment Property Loans 5/1 only
15 or 20 Years
4.750% APR

For example: A 120 month term (10 years) Home Equity loan for $15,000 at a fixed rate of 4.75% APR would result in monthly payment of $157.36.

Home Equity Fixed Rate Loans have a fixed interest rate. You can finance up to 90% at the above rate.

Home Equity Fixed Loans, Home Equity Line of Credit and 10 & Done Mortgage Freedom rate based on credit score and automatic payment.

Mortgage Loans are available at fixed and adjustable rates for up to 30 years. 

Contact us at (563) 355-0152 or (800) 426-5241, Ext. 1 or stop in to any of our convenient locations as we would love to see you!

Based on credit approval and insurability. Rates are subject to change without notice.

Disclosure Information

Vehicles

Loan TypeTermAnnual Percentage Rate as low as
New Vehicle (2012 - 2014)24 months1.90% APR
New Vehicle (2012 - 2014)36 months1.90% APR
New Vehicle (2012 - 2014)48 months1.90% APR
New Vehicle (2012 - 2014)60 months1.90% APR
New Vehicle (2012 - 2014)72 months2.90% APR
New Vehicle (2013 - 2014)84 months3.90% APR
Used Vehicles (2010 - 2011)60 months2.85% APR
Used Vehicles (2011)72 months3.25% APR
Used Vehicles (2007 - 2011)
24 months
2.85% APR
Used Vehicles (2007 - 2011)
36 months
2.85% APR
Used Vehicles (2010 - 2011)
48 months
2.85% APR
Used Vehicles (2007 - 2009)
48 months
3.60% APR
Used Vehicles (2006 or older)
24 months
5.59% APR
Used Vehicles (2006 or older)
36 months
6.10% APR
New Motor Homes, Travel Trailers, Watercraft
72 months
4.25% APR
Motorcycles (New - 2012)
60 months
1.90% APR
Motorcycles (2010 - 2011)
60 months
2.85% APR
Motorcycles (2007 - 2009)48 months3.60% APR
Motorcycles (2006 or older)36 months6.10% APR

For example: A 60 month term vehicle loan for $25,000 at a fixed rate of 1.90% APR would result in monthly payment of $437.32. Rates listed above based on credit score and automatic payment.

Get .50% APR Discount on Hybrid Loan
  • Buy a hybrid vehicle and we will give you a .50% APR discount. Our way of showing how we can help support environmental issues. 
  • Ask us for additional information at (563) 355-0152 or (800) 426-5241.

Personal

Loan Type Term Annual Percentage Rate as low as
Share-Secured Loans Secured with Savings 3% Above rate on deposit account
Visa Platinum Credit Card Line of Credit *** 9.88% - 21% APR based on creditworthiness
Signature Loans - No collateral required 11.50% APR
For example: A 36 month term (3 year) personal loan for $3,000 at a fixed rate of 11.50% APR would result in monthly payment of $99.00. Rates listed above for signature loans are based on credit score and automatic payment.

The rates listed are standard rates and are subject to change without notice according to market conditions. Rates based on term and approved credit. Use our Loan Calculator to determine loan payments.


Disclosure Information

Certificate Term Dividend Rate Annual Percentage Yield
91 Days 0.15% 0.15% APY
6 Months 0.30% 0.30% APY
12 Months 0.50% 0.50% APY
18 Months 0.65% 0.65% APY
24 Months 0.75% 0.75% APY
30 Months 0.80% 0.80% APY
36 Months 0.90% 0.90% APY
48 Months 0.995% 1.00% APY
60 Months
1.19%
1.20% APY



Dividend rate is .05% higher on single certificates of deposit with a balance of $50,000, .10% higher with a balance of $100,000, or .15% higher with a balance of $150,000. Minimum deposit for most terms is $500. Penalty for early withdrawal. ** Upon maturity of the 53 month CD rolls in to the 48 month certificate term.

IRA Certificate of Deposits are available at the same interest rates as our regular Certificates of Deposits. Certificates may be designated traditional or Roth IRAs. 91 days and 6 months terms not available for IRA Certificates of Deposits. Other restrictions and requirements may apply. Rates subject to change.

Disclosure Information

Savings

Account Type Dividend Rate Annual Percentage Yield
Base Share Savings ** 0.15% 0.15% APY
All Purpose Savings * 0.15% 0.15% APY
Christmas Club * 0.15% 0.15% APY
Vacation Club * 0.15% 0.15% APY
Escrow Account * 0.15% 0.15% APY
Individual Retirement Saver Account
(Traditional and Roth) **
0.40% 0.40% APY

Checking

Account Type Dividend Rate Annual Percentage Yield
A Plus Checking *** 0.10% 0.10% APY
Economy Checking *** 0.10% 0.10% APY
Freebee Checking N/A N/A
* Average daily balances of $1 or more
** Average daily balances of $100 or more
*** Average daily balances of $1,000 or more
Rates subject to change.

Investor's Choice

Average Daily Balance Dividend Rate Annual Percentage Yield
$100,000+ 0.60% 0.60% APY
$75,000 - $99,999.99 0.50% 0.50% APY
$50,000 - $74,999.99 0.45% 0.45% APY
$25,000 - $49,999.99 0.40% 0.40% APY
$10,000 - $24,999.99 0.35% 0.35% APY

Money Market

Average Daily Balance Dividend Rate Annual Percentage Yield
$100,000+ 0.45% 0.45% APY
$75,000 - $99,999.00 0.40% 0.40% APY
$50,000 - $74,999.99 0.35% 0.35% APY
$25,000 - $49,999.99 0.30% 0.30% APY
$10,000 - $24,999.99 0.25% 0.25% APY
$1,000 - $9,999.99 0.20% 0.20% APY