Rates


Description Minimum Rate APY Effective Date
Regular Share (Savings)$25.00 For Membership
$100 To Earn Dividend
0.150.1510/01/2018
Club & Escrow Accounts$5.000.050.0510/01/2017
Regular Checking AccountNone0.000.0007/01/2013
REWARDS +Plus+ CHECKING
Range - $0.01 to 25,000-Achieve GoalsNone0.750.7510/01/2017
Range - $25,001 & Up-Achieve GoalsNone0.100.1010/01/2017
Any Balance - Unachieved GoalsNone0.100.1007/01/2013
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(CIA) - Cash Investment Account
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(CCIA) -Corporate Cash Investment
(Checking For Businesses)
$1,000 - $2,4990.150.1510/01/2018
CIA and CCIA$2,500 - $9,9990.200.2010/01/2018
CIA and CCIA$10,000 - $24,9990.300.3010/01/2018
CIA and CCIA$25,000 - $49,9990.500.5010/01/2018
CIA and CCIA$50,000 - $99,9990.550.5510/01/2018
CIA and CCIA$100,000 and Greater0.600.6010/01/2018
(IRA) - Individual Retirement Account$7.500.300.3010/01/2018
Share Certificate Account Builder$5.000.070.0707/01/2013

Share Accounts (Regular, Escrow, Club, IRA & SCAB) will be calculated on the average daily balance and posted quarterly on the last day of the current quarter. Dividends will be calculated using the Average Daily Balance.

You must maintain a minimum balance of $100.00 in your Regular Share Account (Share 1) to earn dividend. A $25.00 minimum balance continues to be a membership requirement.

REWARDS +Plus+ CHECKING accounts will be calculated on the average daily balance and posted monthly on the last day of the current month. Dividends will be calculated using the Average Daily Balance.

CIA & CCIA accounts will be calculated on the average daily balance and posted monthly on the last day of the current month. Dividends will be calculated using the Average Daily Balance. These accounts require a $1,000 minimum balance to earn dividend as detailed above.

If you close one of the accounts listed above before the accrued dividends are credited, the dividend will not be paid.

If you do not maintain the required minimum balance in your Regular Share account you are not a member in good standing and expose your account to fees as enumerated in the Schedule of Fees. If you do not maintain the required minimum balance in all other accounts you expose your account to fees as enumerated in the Schedule of Fees.

Please promptly report any status change(s) to your account in writing signed by you and mail them to our main office. This stipulation may seem inconvenient to you but is necessary to protect your account, assets and identity. Your address and telephone number can be changed by logging into Home Branch.

Term Minimum Rate APY Effective Date
6 Month$500.001.001.00See Below
12 Month$500.001.491.50See Below
24 Month$500.001.992.00See Below
36 Month$500.002.232.25See Below
48 Month$500.002.382.40See Below
60 Month$500.002.582.60See Below

SHARE CERTIFICATE RATES ARE EFFECTIVE ** 08-13-2018 **

Contact our Main Office for information regarding special rates or investment terms for single investments of $100,000 and greater. These opportunities are driven by market conditions and are not always available. For any single (or recent aggregate) deposit of $100,000 or more Management approval is required. If it is for a share certificate account our normal stated rates may not be applicable.

All Share Certificates will be paid dividends calculated at the rate and method of compound stated on the Share Certificate. A penalty will be imposed if you withdraw any funds other than dividends before the maturity date stated on the Share Certificate. If the withdrawal lowers the balance of the Share Certificate lower than the minimum stated for the certificate, then the certificate will be cancelled and dividend will be forfeited.

APY = Annual Percentage Yield

IRA’s can be purchased as a Share Certificate of Deposit. The Rates would be the same as the Certificates of Deposit quoted above. IRA’s are for a minimum of a 12 month term.

NOTE: Fees could reduce the earnings paid on an account.

Tip: Shopping for a new or used automobile?

You may want to check out NADA Guide for pricing, then if you like our loan rates below, you should Calculate an approximate monthly payment, and apply for your loan NOW!

Consumer Secured Loans - (Car or Truck Rates)

Type Amt Financed *35
Mth
*59
Mth
*83
Mth
*119
Mth
+120
Mth
Effective Date
Fixed100% of retail2.74%2.99%3.24%4.24%5.49%04/01/2018

* APR - Annual Percentage Rate. These are the best possible rates. Actual rates and terms are based on credit score and amount financed.

Real Estate Loans

Description Type Term Rate Effective Date
Home Equity Line of CreditVariable5 Year Draw &
15 Year Payback
* Prime
* 5.00%
07/01/2018
Mortgage 7 yearsFixed7 Years** 4.250%07/01/2018
Mortgage 10 yearsFixed10 Years** 4.375%07/01/2018
Mortgage - 12 YearFixed12 Year** 4.375%07/01/2018
Mortgage - 15 YearFixed15 Year** 4.500%07/01/2018
Mortgage - 20 yearsFixed20 Year** 4.625%07/01/2018
Mortgage - 30 yearsFixed30 Year** 4.750%07/01/2018
Second Mortgage 5 year Fixed5 Year** 4.74%07/01/2018
Second Mortgage 10 year Fixed10 Year** 5.24%07/01/2018
Second Mortgage - 15 YearFixed15 Year** 5.49%07/01/2018

***Call the Main Office (502) 429-4955 or (800) 288-5228 for current rates.
All real estate rates based on 80% Loan to Value (LTV) unless otherwise stated and must be a 1st or 2nd Mortgage.

*(Prime is currently 5.00%) Prime is defined as the "US Prime Rate - Latest" published under "Interest Rates" in the Wall Street Journal or 4.25% whichever is greater and existing loans are subject to rate change quarterly. Actual rates may vary and are based on a credit score and repayment term.

** Actual rates may vary and are based on a credit score and repayment term.

Other Loans

Description Rate Max. Term/Amount Effective Date
Signature Loan* 8.45%Up to $10,00004/01/2018
Share Secured** Share rate plus 3.00%15 Years07/21/2010
Certificate SecuredCertificate rate plus 3.50%15 Years02/01/2010
Credit Card9.90%Fixed01/01/2018

* All loan rates are calculated as annual percentage rates. Actual rates and maximum credit limit may vary and are based on a credit score and repayment term.

**If the Share Rate is tiered the Highest Rate Determines the Loan Rate.
All Loan Rates are quoted as Annual Percentage Rates.