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Loans | Savings | Certificates
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Your rate is determined by your credit bureau history (the better your credit, the better your rate) and down payment/value of collateral. Check with a loan officer to determine your rate.
The rates below represent the lowest rates available. Rates are effective as 1/25/2012 and are subject to change daily. See home page for special promotional rates.
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| Loans |
Rate |
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| Newer Autos 2009 & newer -- as low as |
2.49 |
Calculator |
| Used Autos 2004 - 2008-- as low as |
3.69 |
Calculator |
| Newer Motorcycles 2009 & newer -- as low as |
5.95 |
Calculator |
| Used Motorcycles 2008 & older -- as low as |
6.95 |
Calculator |
| Newer Boats/Campers/RVs 2009 & newer -- as low as |
4.95 |
Calculator |
| Used Boats/Campers/RVs 2008 & older -- as low as |
6.25 |
Calculator |
| Signature/Personal |
13.9 |
Calculator |
| Share Secured (certificate) -- rate paid on dividends plus 2.5% |
Varies |
Calculator |
| Share Draft Line of Credit |
13.9 |
Calculator |
| Payday Alternative Loan - $20 application fee applies |
18.9 |
Calculator |
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| Mortage Rates |
| Home Equity 2nd mortgage (IA Only) 5 yr ballon, 20 yr amortization, fixed rate-as low as *** |
4.99 |
| Call for current mortgage loan rates. Real Estate closing costs/fees vary based on the loan type & amount. Also available, FHA, VA, Jumbo, Construction. Call Joanne at 515-645-9331 |
| ***Rates on 5 year 2nd mortgage balloon may be amortized up to 20 years with a fixed rate for 5 years and a balloon after each 5 year period. Maximum loan to value 80%. Pay just $6.60 per month for every $1,000 borrowed. |
| Dividends are compounded and paid monthly, based upon your average daily balance. Fees could reduce the earnings on the account. To earn the stated APY basic shares need average daily balance of $100.00 or more and share draft/checking needs average daily balance of $500.00 or more. Rates are effective as of 1/25/2012 and are subject to change at any time. |
| Savings |
Minimum Balance |
Min. Opening Deposit |
Dividend Rate |
APY* |
Term |
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Basic Share, Children's Share, Holiday Share, Savings Bond Shares
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$100 - 4,999.99 |
$25.00 |
0.10 |
0.10 |
n/a |
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Basic Share, Children's Share, Holiday Share, Savings Bond Shares
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$5000 - 9,999.99 |
$25.00 |
0.15 |
0.15 |
n/a |
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Basic Share, Children's Share, Holiday Share, Savings Bond Shares
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$10,000 - over |
$25.00 |
0.25 |
0.25 |
n/a |
| IRA Share |
$0 |
$0 |
0.60 |
0.60 |
n/a |
| Share Draft/Checking |
$500.00 |
$0 |
0.10 |
0.10 |
n/a |
| Certificate rates are for both Share Certificates and IRA Certificates. Dividends are compounded and paid last calendar day of month and on maturity. We may impose a penalty if you withdraw any of the principal before the maturity date. Minimum opening deposit is $500.00 for regular certificates. IRA Certificates are a minimum opening deposit of $1000.00. Rates are effective as of 1/25/12 and are subject to change daily. The Dividend Rate and Annual Percentage Yield are fixed and will be in effect for the term of the account. |
| Certificates |
Minimum Balance |
Dividend Rate |
APY* |
Term |
| 6-month |
$500.00 |
.60 |
.60 |
6 |
| 12-month |
$500.00 |
.80 |
.80 |
12 |
| 18-month |
$500.00 |
.90 |
.90 |
18 |
| 24-month |
$500.00 |
1.40 |
1.41 |
24 |
| 36-month |
$500.00 |
1.65 |
1.66 |
36 |
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*Annual Percentage Yield
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A member may make up to six (6) free withdrawals a month from their Money Market account. If six (6) withdrawals are exceeded a fee will apply to each transaction over six (6), refer to current Rate and Fee Schedule for further information. No more than six (6) preauthorized, automatic or telephone transfers may be made from this account to another account of yours or to a third party in any month, and no more than three (3) of these six (6) can be made to a 3rd party. Minimum balance required of $10,000 to earn dividend.
| Money Market Share Account |
Rate |
APY* |
| 10000-24999 |
.55 |
.55 |
| 25000-49999 |
.65 |
.65 |
| 50000 - $999,999 |
.75 |
.75 |
| $100,000+ |
.85 |
.85 |
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Minimum balance of $10,000 to earn dividend. Six (6) free withdrawals per month.
*Annual Percentage Yield
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