Savings Rates
Effective January 1, 2017 – March 31, 2017
| Rate | Annual % Yield | Min. Balance | Max. Balance | |
|---|---|---|---|---|
| Tier 1 | 0.30% | 0.300% | $50.00 | $10,000.00 |
| Tier 2 | 0.40% | 0.400% | $10,001.00 | $40,000.00 |
| Tier 3 | 0.45% | 0.451% | $40,001.00 | & Above |
IRA Rates
Effective April 1, 2017 – June 30, 2017
| Rate | Annual % Yield | |
|---|---|---|
| 2nd Quarter | 0.60% | 0.600% |
Loan Rates & Terms
Share Loans
| Loan Type | Terms | Rate | Details |
|---|---|---|---|
| Share Loans | 3.00% |
Auto Loans
| Loan Type | Terms | Rate | Details |
|---|---|---|---|
| New Auto (2017-2016) | 90% Financing | 4.50% | New – Up to *72 mo. (* Certain credit conditions apply) |
| Pre-Owned (2016-2015) | 5.50% | 1, 2 & 3 yrs old, up to 60 mo. | |
| Pre-Owned (2014) | 6.50% | ||
| Pre-Owned (2013-2012) | 7.50% | 4 & 5 yrs old, up to 52 mo. | |
| Pre-Owned (2011 & Older) | 10.50% | 6 yrs & older, up to 36 mo. | |
| Based on NADA Loan Value | |||
Real Estate Loans
| Loan Type | Terms | Rate | Details |
|---|---|---|---|
| Real Estate Mobile Homes (New) Mobile Homes (Used) |
Call our office for details on rates & terms. (318) 255-9101 |
||
RV/Boat Loans
| Loan Type | Terms | Rate | Details |
|---|---|---|---|
| RV (New) | Starting at | 5.50% | 5 year balloon payment with 10 year amortization on New & Used RV |
| RV (Used) | NADA Loan Value | 7.00% | |
| Boat Loan (New) | Starting at | 5.50% | Up to 60 mo. |
| Boat Loan (Used) | NADA Loan Value | 7.00% | Up to 48 mo. |
Other Loans
| Loan Type | Terms | Rate | Details |
|---|---|---|---|
| Other Collateral Loans | New | 7.00% | Up to 36 mo. |
| Used | 10.00% | Up to 24 mo. | |
| Signature Loans | Call our office for rate details | Up to 24 mo. | |
Review our Loan Specials for better rates and terms.
Fees
Our standard fees are listed and explained below.
| Fee | Amount | Explanation |
|---|---|---|
| New Member | $5.00 | To open an account |
| Late Fee | $25.00 | After 10 days late a fee will apply each month until loan is current on each loan late. |
| Application Fee | $25.00 | All Loans except Share Loans, Mobile Home Loans, & Mortgage Loans |
| Application Fee | $100.00 | Mortgage & Mobile Home Loans |
| Stop Payment Fee | $35.00 | |
| Excessive Withdrawal Fee | $5.00 | Five allowed per quarter. After the fifth withdrawal, there will be a $5.00 charge per check. |
| Returned Check | $45.00 | |
| Returned ACH | $45.00 |
