Loan & Deposit Rates
Loan Rates
Say goodbye to high monthly payments - our loan rates are some of the lowest around!
Loan Rates
Loan Rates
For a personalized rate quote, please contact us - we'd love to hear from you!
All rates listed "As Low As". Rates effective May 1, 2022.
| Loan Type | APR* |
| New Autos | 1.74% |
| Used Autos | 2.49% |
| New and Used Motorcycles, ATVs, Personal Secured | 3.54% |
| New and Used Boats and RVs | 4.59% |
| Personal Loans | 5.99% |
| Heroes Loan | 5.49% |
| Safewriter-LOC | 10.64% |
| Home Equity Line of Credit | 5.49% |
Note: Best rates with discounts applied 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 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 subject to change without notice.
Deposit Rates
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.
Deposit Rates (Dividends)
Deposit Rates (Dividends)
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.
Rates effective November 1, 2021
| Share Certificate Rates | |||
Maturity |
$0 - $9,999 Dividend Rate / APY* |
$10,000 - $24,999 Dividend Rate / APY* |
$25,000 + Dividend Rate / APY* |
| 6 Month CD | .10% / .10% | .15% / .15% | .18% / .18% |
| 12 Month CD | .20% / .20% | .25% / .25% | .30% / .30% |
| 18 Month CD | n/a | n/a | n/a |
| 24 Month CD | .35% / .35% | .45% / .45% | .50% / .50% |
| 30 Month CD | n/a | n/a | n/a |
| 36 Month CD | .60% / .60% | .65% / .65% | .70% / .70% |
| 48 Month CD | .70% / .70% | .75% / .75% | .80% / .80% |
| 60 Month CD | .85% / .85% | .90% / .90% | .95% / .95% |
| Sock-it-Away CD | .10% / .10% | .15% / .15% | .18% / .18% |
| IRA Certificate Rates | |||
Maturity |
$0 - $9,999 Dividend Rate / APY* |
$10,000 - $24,999 Dividend Rate / APY* |
$25,000 + Dividend Rate / APY* |
| 12 Month IRA | .20% / .20% | .25% / .25% | .30% / .30% |
| 24 Month IRA | .35% / .35% | .45% / .45% | .50% / .50% |
| 36 Month IRA | .60% / .60% | .65% / .65% | .70% / .70% |
| 48 Month IRA | .70% / .70% | .75% / .75% | .80% / .80% |
| 60 Month IRA | .85% / .85% | .90% / .90% | .95% / .95% |
| IRA Passbook | .12% / .12% | .12% / .12% | .12% / .12% |
| Share Savings, Business Share Savings, and Trust Accounts | ||
| Dividend Rate | APY* | |
| 0 - $9,999.99 | .05% | .05% |
| $10,000.00 - $24,999.99 | .10% | .10% |
| $25,000.00 + | .12% | .12% |
| Dividends compounded and paid quarterly. | ||
| High-Rate Checking** | ||
| Dividend Rate | APY* | |
| 0 - $25,000.00 | 1.98% | 2.00% |
| $25,000.01 + | .05% | .05% |
| Dividends compounded and paid monthly. | ||
| Business Checking | ||
| Dividend Rate | APY* | |
| 0 - $9,999.99 | .00% | .00% |
| $10,000.00 - $24,999.99 | .12% | .12% |
| $25,000.00 + | .15% | .15% |
| Dividends compounded and paid monthly. | ||
| Innovative Insured Money Market | ||
| Dividend Rate | APY* | |
| 0 - $9,999.99 | .05% | .05% |
| $10,000.00 - $24,999.99 | .10% | .10% |
| $25,000.00 + | .12% | .12% |
| Dividends compounded and paid monthly. | ||
A penalty may be imposed for early withdrawal.
All rates subject to change without notice.
*Annual Percentage Yield. CD = Certificate of Deposit. Minimum deposit $500. Penalty applies for early withdrawal. Personal accounts only. Rate available and accurate as of May 1, 2021. Membership required. Ask for details. Federally Insured by NCUA.
**Qualifications, limits, and other requirements apply to the High-Rate Checking account.
**Fees associated with these accounts may reduce your earnings**