Current Rates


Rates effective as of January 1, 2012.
Rates are subject to change. Please check with your local service center.

Share/Savings
Account Annual Percentage Yield
Basic Shares 0.050%
IRA Accumulation 0.250%
Classic Oak - Less Than $25,000 0.050%
Classic Oak - $25,000 - $49,999 0.150%
Classic Oak - $50,000 - $99,999 0.250%
Classic Oak - $100,000 + 0.350%

Checking Account
Account Annual Percentage Yield
Members Choice 0.100%

Share Certificates
TermRegular Annual Percentage Yield*
3 months 0.120%
6 months 0.320%
7-11 months 0.320%
12-17 months 0.570%
18-23 months 0.870%
24-29 months 1.000%
30 months 1.500%
31-36 months 1.650%
37-48 months 2.020%
49-59 months 2.020%
60 months 2.150%
72 months 2.250%

*Regular Certificate APY reflects $500 minimum deposit.

Loans
TypeAnnual Percentage Rate as low as:**
New Cars & Trucks 3.24%
Used Cars & Trucks 3.24%
Home Equity Line of Credit (variable) 4.00%
Fixed Rate Home Equity 3.99%
Signature 6.74%

**The rate you pay will be based on your credit history, account relationships and term of the loan. Stated vehicle rates and fixed rate home equity loans include a .25% rate discount for payroll deduction and checking account relationships.

Credit Cards
TypeAnnual Percentage Rate
Visa Classicas low as 12.50%
Visa Gold (variable APR) 6.25% (Prime Rate + 3%)
Visa Platinum (variable APR) 5.25% (Prime Rate + 2%)