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Rates Effective as of September 28, 2023
Rates are subject to change without notice.

Call (401) 781-1020 for the latest update

Savings & Checking Rates

Savings Rates
  Minimum Annual
Rate		 Annual %
Yield
Basic Share Account $5.00 .15% .15%
E-Share Account $5.00 .25% .25%
Holiday Club $5.00 .15% .15%
Vacation Club $5.00 .15% .15%
E Savings      
$2,000 - $9,999 $5.00 .75 .75%
$10,000 - $24,999 $5.00 .85% .85%
$25,000 - $49,999 $5.00 1.00% 1.00%
$50,000 and over $5.00 1.50% 1.50%
IRA Share Account $5.00 .15% .15%
Roth IRA $5.00 .15% .15%
Educational IRA $5.00 .15% .15%
       
Checking Rates
  Minimum Annual
Rate		 Annual %
Yield
Select Checking $5.00 .10% .10%
Classic Checking $5.00 .10% .10%
Navigator Checking      
$0 - $10,000 $5.00 .30% .30%
$10,000 - $24,999.99 $5.00 .35% .35%
$25,000 - $49,999.99 $5.00 .40% .40%
$50,000 or greater
 $5.00 .40% .40%
       
Preferred Business Checking Rates
      
  Minimum Annual
Rate		 Annual %
Yield
$10,000 - $24,999.99 $5.00 .15% .15%
$25,000 - $99,999.99 $5.00 .25% .25%
$100,000 or greater $5.00 .35% .35%
       
Certificate/IRA Rates
  Minimum Annual
Rate		 Annual %
Yield
3 Month Certificate  $2,500  .25%  .25%
6 Month Certificate $2,500 .25% .25%
9 Month Certificate
$2,500 .30% .30%
12 Month Certificate $1,000 1.00% 1.00%
14 Month Certificate Special $1,000 5.00% 5.12%
15 Month Certificate
$1,000 .40% .40%
18 Month Certificate
 $1,000 2.50% 2.53%
24 Month Certificate
*Bump up		 $2,500 4.00% 4.07%
36 Month Certificate 
 $1,000 2.75% 2.78%
48 Month Certificate
 $1,000 2.75% 2.78%
60 Month Certificate
 $1,000 2.75% 2.78%

*Bump Up Option to increase your rate to the current rate of the same product once for the remainder of the original term. 

Loan Rates

Consumer Loans
Description Term Annual Percentage Rate
New Auto Rates:* 3 Years 5.75%
  4 Years 5.99%
  5 Years 6.25%
6 Years 6.50%
7 Years 7.00%
Used Auto Rates:*    
Models 2020 - 2022 3 Years 6.25%
4 Years 6.25%
5 Years 6.50%
6 Years 6.75%
Models 2017 - 2019 3 Years 6.50%
4 Years 6.75%
5 Years 6.75%
Used Auto Prior to 2017 3 Years 7.00%
4 Years 7.25%
   
Motorcycle/Scooters New* 4 Years  6.50%
  5 Years 6.95%
Motorcycle/Scooters Used* 3 Years  6.99%
  4 Years  7.75%
Personal Loan* 1 Year 9.99%
2 Years 9.99%
3 Years 10.99%
4 years 10.99%

5 years

11.99%
Share/Certificate   Current Share/Certificate
Rate + 3.00%
RV New* up to 7 Years  9.50%
RV Used*  up to 7 Years  10.00% 
Boats New* up to 7 Years 7.99%
Boats Used* up to 7 years   7.99%
     
Cash Reserve/Checking Overdraft   12.00%
Visa Card-No Annual Fee  

11.99%
Description Term Annual Percentage Rate
       

Home Equity Line of Credit***

 Minimum Balance
25,000		 4.99% For 12 Months  
   

Fixed Rate Home Equity*|**

 1-5 Years 6.25%  
6-10 Years 6.75%  
11-15 Years 6.99%  
16-20 Years 7.49%  

SPECIAL Optimizer Loan****

 Max 12 Years 7.00%  
100% Home Equity Loan*|** 1-5 Years 7.75%
  6-10 Years 8.25%
  11-15 Years 8.49%
  16-20 Years 8.99%
   
View our mortgage rates

Effective September 28, 2023

* Rate will be determined by individual creditworthiness.  The rates advertised are the lowest rates available. Rates may be higher based on loan terms and credit scores.
** Personal Mortgage Insurance is required with LTV above 80%.
*** 4.99% for the first 12 months, month 13 loan defaults to a variable rate 0.75% below the Wall Street Prime Rate. 5-year draw period.
**** Optimizer: 7.00% APR available for qualifying properties, first lien position equity, with a loan-to-value (LTV) of 80% or less, And a maximum repayment period of 144 months. Advertised APR is the lowest available for credit scores of 740 and above. Other rates and terms are available.

Credit life and credit disability insurance may be available.

Wall Street Prime Rate as of July 27, 2023 is 8.50%