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Rates

Share & Loan Rates

Say goodbye to high monthly payments - our loan rates are some of the lowest around! Whether you’re just getting started on your savings or you’re actively building a nest egg, you can earn extra money with great yields on federally insured deposits.
For a personalized rate quote, please contact us - we'd love to hear from you!

All rates are listed "As Low As". Rates effective November 1, 2022.

Loan Type APR*
New Autos 5.49%
Used Autos 5.74%
New and Used Motorcycles, ATVs, Personal Secured 5.99%
New and Used Boats and RVs 5.75%
Personal Loans 7.99%
Heroes Loan 6.99%
Safewriter Line of Credit 10.64%
Home Equity Line of Credit 6.99 %
Home Equity Loans 5.99%

Note: Best rates with discounts applied are quoted above. Your rate may vary based on your credit profile, loan-to-value, and payment election. All loans are subject to credit union loan guidelines. Your actual APR will be determined at the time of disbursement and will be based on your application, credit information, and the term of the loan. Rates for longer terms are higher than rates for shorter terms. Please call 573.329.3151 or visit any branch location to obtain a detailed interest rate quotation.

*Annual Percentage Rate

All rates are subject to change without notice.
Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day. One rate will apply to the daily balance. Dividend compounding terms may vary between certificate types. 

Rates effective October 14, 2022.

Maturity $0 - $9,999 Dividend Rate / APY*
$10,000 - $24,999 Dividend Rate / APY*
$25,000 + Dividend Rate / APY*
6-Month 0.50% / 0.50% 0.55% / 0.55% 0.58% / 0.58%
12-Month 0.70% / 0.70% 0.75% / 0.75% 0.82% / 0.82%
13-Month Special*** 3.65% / 3.70% 3.65% / 3.70% 3.65% / 3.70%
24-Month 0.80% / 0.80% 0.90% / 0.90% 0.95% / 0.95%
36-Month 0.90% / 0.90% 0.95% / 0.95% 1.00% / 1.00%
48-Month 1.00% / 1.00 % 1.05% / 1.06% 1.10% / 1.11%
60-Month 1.15% / 1.16% 1.20% / 1.21% 1.25% / 1.26%
6-Month Sock-it-Away 0.10% / 0.10% 0.15% / 0.15% 0.18% / 0.18%
Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day. One rate will apply to the daily balance. Dividend compounding terms may vary between certificate types. 

Rates effective October 14, 2022.

Maturity $0 - $9,999 Dividend Rate / APY*
$10,000 - $24,999 Dividend Rate / APY* $25,000 + Dividend Rate / APY*
12-Month IRA 0.70% / 0.70% 0.75% / 0.75% 0.82% / 0.82%
24-Month IRA 0.80% / 0.80% 0.90% / 0.90% 0.95% / 0.95%
36-Month IRA 0.90% / 0.90% 0.95% / 0.95% 1.00% / 1.00%
48-Month IRA 1.00% / 1.00% 1.05% / 1.06% 1.10% / 1.11%
60-Month IRA 1.15% / 1.16% 1.20% / 1.21% 1.25% / 1.26%
IRA Passbook 0.12% / 0.12% 0.12% / 0.12% 0.12% / 0.12%
Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day. One rate will apply to the daily balance. Dividends are compounded and paid quarterly.

Rates effective October 14, 2022.

Amount Dividend Rate APY*
0 - $9,999.99 0.05% 0.05%
$10,000.00 - $24,999.99 0.10%
0.10%
$25,000.00 + 0.12% 0.12%
Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day. One rate will apply to the daily balance. Dividends are compounded and paid monthly.

Rates effective October 14, 2022.

Amount Dividend Rate APY*
0 - $25,000.00 1.98% 2.00%
$25,000.01 + 0.05% 0.05%
Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day. One rate will apply to the daily balance. Dividends are compounded and paid monthly.

Rates effective February 1, 2022.

Amount Dividend Rate APY*
0 - $9,999.99 0.26% 0.26%
$10,000.00 - $24,999.99 0.36% 0.36%
$25,000.00 + 0.46% 0.46%
Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day. One rate will apply to the daily balance. Dividends are compounded and paid monthly.

Rates effective October 14, 2022.

Amount Dividend Rate APY*
0 - $5,000.00 3.45% 3.50%
$5,000.01 + 0.05% 0.05%
Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day. One rate will apply to the daily balance. Dividends are compounded and paid monthly.

Rates effective October 14, 2022.

Amount Dividend Rate APY*
0 - $5,000.00 3.94% 4.01%
$5,000.01 + 0.05% 0.05%
View our current mortgage rates here.

A penalty may be imposed for early withdrawal. All rates subject to change without notice.
 
*APR = Annual Percentage Rate.
 
*APY = Annual Percentage Yield. CD = Certificate of Deposit. Minimum deposit $500. Penalty applies for early withdrawal. Personal accounts only.  

**Qualifications, limits, and other requirements apply to the High-Rate Checking account, High-Rate Savings account, and Heroes Savings account.

***13-month CD special has a minimum deposit of $1,000. 
 
Fees associated with these accounts may reduce your earnings. Membership required. Ask for details. Federally Insured by NCUA.

Endless Possibilities

Apply online today and you can have your money today so you can focus on what really matters.

  • Low Rates: Rates starting at 7.99% APR*
  • Flexible: Borrow as little as $200
  • Easy: Sign loan document online
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