Rates

Loan Rates

Vehicles | Motorcycles, ATVs, Snowmobiles, Boats, and Personal Watercraft | Motor Homes, Campers, Travel Trailers, and 5th Wheels | Signature Loans | Home Equity Loans

Savings Rates

Share Savings | IRAs | FIMMA | Share Certificates | Premier Money Market

Vehicle Loans

New Vehicles
(2002 & Newer)		Credit Score >>>750+749-680679-650649-600599 and Below
72 Months 4.45%5.45%6.70%10.20%14.20%
66 Months 4.20%5.20%6.45%9.95%13.95%
60 Months 3.95%4.95%5.95%9.70%13.70%
48 Months 3.70%4.70%5.70%8.95%12.45%
36 Months 3.45%4.45%5.45%8.70%12.20%
24 Months 3.20%4.20%5.20%8.45%11.95%
12 Months 2.95%3.95%4.95%8.20%11.70%

Used Vehicles
(2001 & Older)		Credit Score >>>750+749-680679-650649-600599 and Below
48 Months 7.00%8.00%9.00%12.25%15.75%
36 Months 6.75%7.75%8.75%12.00%15.50%
24 Months 6.50%7.50%8.50%11.75%15.25%
12 Months 6.25%7.25%8.25%11.50%15.00%

Classic Vehicles
(1992 & Older)		Credit Score >>>750+749-680679-650649-600599 and Below
60 Months 6.50%7.50%8.50%12.25%16.25%
48 Months 6.25%7.25%8.25%11.50%15.00%
36 Months 6.00%7.00%8.00%11.25%14.75%
24 Months 5.75%6.75%7.75%11.00%14.50%
12 Months 5.50%6.50%7.50%10.75%14.25%

New Salvage/
Damaged Vehicles
(2002 & Newer)		Credit Score >>>750+749-680679-650649-600599 and Below
60 Months 5.74%6.74%7.74%11.49%15.49%
48 Months 5.49%6.49%7.49%10.74%14.24%
36 Months 5.24%6.24%7.24%10.49%13.99%
24 Months 4.99%5.99%6.99%10.24%13.74%
12 Months 4.74%5.74%6.74%9.99%13.49%

Used Salvage/
Damaged Vehicles
(2001 & Older)		Credit Score >>>750+749-680679-650649-600599 and Below
48 Months 8.00%9.00%10.00%13.25%16.75%
36 Months 7.75%8.75%9.75%13.00%16.50%
24 Months 7.50%8.50%9.50%12.75%16.25%
12 Months 7.25%8.25%9.25%12.50%16.00%

Recreational Vehicles - Motorcycles, ATVs, Snowmobiles, Boats, and Personal Watercraft

New Recreational Vehicles
(2002 & Newer)		Credit Score >>>750+749-680679-650649-600599 and Below
60 Months 4.74%5.74%6.74%10.49%14.49%
48 Months 4.49%5.49%6.49%9.74%13.24%
36 Months 4.24%5.24%6.24%9.49%12.99%
24 Months 3.99%4.99%5.99%9.24%12.74%
12 Months 3.74%4.74%5.74%8.99%12.49%

Used Recreational Vehicles
(2001 & Older)		Credit Score >>>750+749-680679-650649-600599 and Below
48 Months 7.75%8.75%9.75%13.00%16.50%
36 Months 7.50%8.50%9.50%12.75%16.25%
24 Months 7.25%8.25%9.25%12.50%16.00%
12 Months 7.00%8.00%9.00%12.25%15.75%

Motor Homes, Campers, Travel Trailers, and 5th Wheels

New Motor Homes, Campers, Travel Trailers, and 5th Wheels
(2011 & Newer)		Credit Score >>>750+749-680679-650649-600599 and Below
60 Months 6.25%7.25%8.25%12.00%16.00%
48 Months 6.00%7.00%8.00%11.25%14.75%
36 Months 5.75%6.75%7.75%11.00%14.50%
24 Months 5.50%6.50%7.50%10.75%14.25%
12 Months 5.25%6.25%7.25%10.50%14.00%

Used Motor Homes, Campers, Travel Trailers, and 5th Wheels
(2010 & Older)		Credit Score >>>750+749-680679-650649-600599 and Below
48 Months 6.25%7.25%8.25%11.50%15.00%
36 Months 6.00%7.00%8.00%11.25%14.75%
24 Months 5.75%6.75%7.75%11.00%14.50%
12 Months 5.50%6.50%7.50%10.75%14.25%

Signature Loans

Signature LoansCredit Score >>>750+749-680679-650649-600599 and Below
48 Months 9.00%10.00%11.25%14.00%17.25%
36 Months 8.75%9.75%11.00%13.75%17.00%
24 Months 8.50%9.50%10.75%13.50%16.75%
12 Months 8.25%9.50%10.50%13.25%16.50%

Home Equity Loans

Term Closed End/Fixed
5 Years 6.50% - 10.50%
10 Years 7.00% - 11.00%
15 Years 7.50% - 11.50%

Repayment Line of Credit/Variable**
$2.00 Per Hundred 6.00% - 10.00%
$1.25 Per Hundred 6.50% - 10.50%
$1.00 Per Hundred 7.00% - 11.00%

**Rate stated as Annual Percentage Rate (APR). Rate may vary depending on credit history. Rates are variable and are subject to increase after consummation. Rates are based on the value of an index, plus or minus a margin. The index is the Prime Rate as published in the Wall Street Journal and is subject to change on the first day of each year. The maximum APR is 18.00% or the maximum allowed by law, whichever is less. Property insurance is required. Some restrictions apply. Fixed-rate, closed end loans available. Rates subject to change. 1% origination fee applies. Please call 605-336-1047 or 800-456-1703 for details.

Savings Rates

Share Savings | IRAs | FIMMA | Share Certificates | Premier Money Market

Share Savings

Share Savings Dividend RateAnnual Percentage Yield
  0.10%0.10%

IRAs

IRAs Balance AmountDividend RateAnnual Percentage Yield
  $0 - $4,999.990.15%0.15%
  $5,000 - $19,999.990.20%0.20%
  $20,000 or more0.45%0.45%

FIMMA - First Insured Money Market Account

FIMMA Dividend RateAnnual Percentage Yield
$1,000 minimum opening balance required.
Limit of 3 withdrawals per month
Each withdrawal and deposit must be $250 or more.		 0.15%0.15%
If balance falls below $1,000 0.10%0.10%

Share Certificates

Share Certificates

Penalty for early withdrawal.		 TermMinimum DepositDividend RateAnnual Percentage Yield
  6 Months$5000.20%0.20%
  12 Months$500*0.25%0.25%
  18 Months$1,0000.30%0.30%
  24 Months$5,0000.35%0.35%
  36 Months$5,0000.40%0.40%
  48 Months$5,0000.60%0.60%
  60 Months$5,0000.75%0.75%
*12 month Share Certificate allows one penalty-free withdrawal, up to 25% of initial deposit, during the term. Rates effective as of January 15th, 2013 and are subject to change.

Premier Money Market

Premier Money Market Balance AmountDividend RateAnnual Percentage Yield
$5,000 minimum opening balance required. $5,000 - $9,999.990.10%0.10%
$1,000 minimum withdrawal with a limit of 3 withdrawals per month. $10,000 - $24,999.990.15%0.15%
  $25,000 - $49,999.990.17%0.17%
  $50,000 - $99,999.990.20%0.20%
  $100,000 and up0.25%0.25%
If balance falls below $5,000 $5,000 and under0.05%0.05%