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Rates

Rates are effective and subject to change without notice. Please contact your local branch for current information.

Deposit Accounts

Checking, Savings, and Money Market Rates

Product APY* Interest Rate Minimum Balance to Earn Interest
Statement Savings 0.05% 0.05% $0.01
Advantage Savings 0.05% 0.05% $0.01
Works Plus Savings 0.05% 0.05% $0.01
Minor Savings 0.05% 0.05% $0.01
MIUTMA Savings 0.05% 0.05% $0.01
Christmas Club Account 0.05% 0.05% $0.01
ETA Statement Savings 0.05% 0.05% $0.01
Business Savings 0.05% 0.05% $0.01
IRA Statement Savings 0.05% 0.05% $0.01
Premium Business NOW 0.05% 0.05% $500
  0.05% 0.05% $1,000
  0.10% 0.10% $5,000
  0.15% 0.15% $25,000
Business Interest Checking 0.05% 0.05% $500
  0.05% 0.05% $1,000
  0.10% 0.10% $5,000
  0.10% 0.10% $25,000
Eagle Premier Checking 0.05% 0.05% $500
  0.05% 0.05% $1,000
  0.10% 0.10% $5,000
  0.15% 0.15% $25,000
Eagle Rewards Checking 1.50% 1.49% Up to $25,000
  0.15% 0.15% Over $25,000
First Freedom Club 0.05% 0.05% $500
  0.05% 0.05% $1,000
  0.10% 0.10% $5,000
  0.15% 0.15% $25,000
Health Savings Account 0.75% 0.75% $100
Money Market 0.05% 0.05% $0.01
  0.10% 0.10% $25,000
  0.15% 0.15% $50,000
  0.20% 0.20% $100,000
  0.25% 0.25% $150,000
0.30% 0.30% $250,000
Business Money Market 0.05% 0.05% $0.01
  0.05% 0.05% $10,000
  0.10% 0.10% $25,000
  0.15% 0.15% $50,000
  0.20% 0.20% $75,000

Checking Accounts- Minimum balance to open an account is .01¢
Savings Accounts- Minimum balance to open an account is $5.00
Money Market Accounts- Minimum balance to open an account is .01¢
*APY = Annual Percentage Yield
Fees could reduce earnings on an account.    

Certificate of Deposit

Consumer Certificate of Deposit, Youth CD's, HSA CD's, IRA CD's

Certificates of Deposit / Youth CDs / HSAs / IRAsAPY*Interest Rate
3 Months 0.10% 0.10%
6 Months 0.15% 0.15%
12 Months 0.25% 0.25%
18 Months 0.35% 0.35%
24 Months 0.50% 0.50%
36 Months 0.85% 0.85%
48 Months 1.10% 1.10%
60 Months 1.35% 1.34%

Certificates of Deposit & Youth CDs OnlyAPY*Interest Rate
7 Month Easy Access CD
0.10% 0.10%
15 Month Easy Access CD
0.20% 0.20%

*APY = Annual Percentage Yield

CDs and Easy Access CDs – Minimum Balance to open an account and earn interest is $500.

Youth CDs and Youth Easy Access CDs – Minimum Balance to open an account and earn interest is $100.

IRA & HSA CDs - Minimum Balance to open an account and earn interest is $250.

Penalties for early withdrawal may apply.

Member FDIC

Loans

Auto Loans*

TermRateAPR**Monthly Payment Per
$1,000 Financed
2017 - 2016 New Auto   
36 months 2.500% 2.991% $28.80
48 months 2.750% 3.124% $21.97
60 months 3.000% 3.303% $17.92
72 months 3.250% 3.504% $15.26
2014 - 2015 Used Auto   
36 months 3.450% 3.945% $29.20
48 months 3.700% 4.077% $22.38
60 months 3.950% 4.255% $18.33
2011 - 2013 Used Auto   
24 months 3.950% 4.570% $43.40
36 months 4.200% 4.672% $29.61
48 months 4.450% 4.834% $22.78

**APR = Annual Percentage Rate

Mortgage Interest Rates

Conventional Fixed Rate Mortgage Loan Rates

TermRateAPR*Monthly Payment Per
$1,000 Financed**
10 Year 3.000% 3.105% $9.66
15 Year 3.250% 3.323% $7.03
20 Year 3.625% 3.682% $5.86
30 Year 4.000% 4.042% $4.77

*APR = Annual Percentage Rate
**Payments do not include amounts for taxes and insurance premiums. Actual payment obligation will be greater.

Annual Percentage Rates (APRs) and rates are subject to change without notice. APRs and rates quoted above are based on an $150,000 loan amount with 20% down, superior credit rating, 25-day lock period, and no points. Actual APRs and rates may vary based on credit history and other loan details. All loans are subject to credit approval. Contact Us for details.

Additional mortgage products are available - Contact Us for additional information.

Adjustable Rate Mortgage Rates

TermRateAPR*Monthly Payment Per
$1,000 Financed**
5/1 ARM 3.625% 3.986% $4.56- $8.50
7/1 ARM 4.000% 4.302% $4.77- $8.77
Special 7/1 ARM 3.000% 3.638%

$4.21- $8.05

*APR = Annual Percentage Rate
**Payments do not include amounts for taxes and insurance premiums. Actual payment obligation will be greater.

Adjustable Rate Mortgages are fixed for the first 5 or 7 years depending on the product and then adjust every year after the initial period. Rate changes are capped at 2% per rate adjustment, not to exceed 6% over the life of the loan. Payments per $1,000 financed will vary between the amounts stated above and are calculated on a 360-month amortization period. To receive the stated ARM APR (Annual Percentage Rate), the applicant must meet certain credit criteria. Actual rates may be higher based on credit scores, the type of collateral being financed and additional factors not listed here. Restrictions may apply, see your lender for details.

Annual Percentage Rates (APRs) and rates are subject to change without notice. APRs and rates quoted above are based on an $150,000 loan amount with 20% down, superior credit rating, 25-day lock period, and no points. Actual APRs and rates may vary based on credit history and other loan details. All loans are subject to credit approval. Contact Us for details.

Additional mortgage products are available - Contact Us for additional information.

Home Equity Line of Credit

Maximum Total Loan to Value 90%
Premier Prime + .50 - Subject to rate floor & ceiling limits.
Prime Line Prime - Subject to rate floor & ceiling limits.

Home Equity Term Loans*

Home Equity Term Loan for Stick Built Homes

TermRateAPR*Monthly Payment Per $1,000 Financed**
Maximum Total Loan to Value 80%   
36 months 4.500% 4.875% $29.75
60 months 4.75% 4.970% $18.76
84 months 5.000% 5.161% $14.13
120 months 5.25% 5.367% $10.73
180 months 5.50% 5.583% $8.17
Total Loan to Value 81% - 90%   
36months 4.75% 5.107% $29.86
60 months 5.00% 5.221% $18.87
84 months 5.25% 5.412% $14.25
120 months 5.50% 5.617% $10.85

**APR = Annual Percentage Rate
**Payments do not include amounts for taxes and insurance premiums. Actual payment obligation will be greater.

Home Equity Term Loan for Manufactured Homes

TermRateAPR*Monthly Payment Per $1,000 Financed**
Manufactured Homes Maximum Total Loan to Value 70%   
36 months 6.750% 7.470% $30.76
60 months 7.000% 7.551% $19.80
84 months 7.25% 7.699% $15.22
120 months 7.50% 7.743% $11.87

*APR = Annual Percentage Rate
**Payments do not include amounts for taxes and insurance premiums. Actual payment obligation will be greater.

Personal Unsecured Loan*

TermRateAPR**Monthly Payment Per
$1,000 Financed
>$2,500.00   
24 months 12.750% 16.610% $47.42
36 months 13.000% 15.672% $33.69

**APR = Annual Percentage Rate

Cash Secured Loans

TermRateAPR*
Up to 60 months Rate & APR calculated on the greater of the deposit rate plus a 2% margin or prime. Contact us for more information.

*APR = Annual Percentage Rate

Recreational Vehicles*

TermRateAPR**Monthly Payment Per $1,000 Financed
NEW Recreational Vehicles - Boats - Motor Homes - Travel Trailers - Jet Skis - Motorcycles - Snowmobiles. USED Recreational Vehicle rates are available for 2011 or newer. Used Recreational Vehicle rate are not posted on this web-site (call your lender to inquire).   
24 month term 4.000% 4.913% $43.28
36 month term 4.250% 4.872% $29.53
48 month term 4.500% 4.974% $22.72
60 month term 4.750% 5.135% $18.68
72 to 180 months >$30,000 available for Large Boats - Travel Trailers - Motor Homes - Harley Motorcycles   
72 month term 5.000% 5.144% $16.04
84 month term 5.250% 5.375% $14.19
120 month term 5.500% 5.591% $10.80
180 month term 5.750% 5.814% $8.27

**APR = Annual Percentage Rate