Rates - Novation

Model Years 2017 & Newer

3.15% APR*

Payment on a $20,000, 60 month New Auto loan at 3.15% APR is $360.71 per month.

Model Years 2012 - 2016	3.15% APR*
Model Years 2009 - 2011	3.15% APR*
All Models 10 Years or Older	5.95% APR*

Payment on a $20,000, 60 month Used Auto loan at 3.15% APR is $360.71 per month.

New Recreational Vehicles

Model Years 2017 & Newer: Boats, Motorcycles, Snowmobiles, ATV's, Personal Watercraft, Campers

5.45% APR*

Payment on a $10,000, 60 month RV loan at 5.45% APR is $190.78 per month.

Used Recreational Vehicles

Model Years 2016 & Older: Boats, Motorcycles, Snowmobiles, ATV's, Personal Watercraft, Campers

5.45% APR*

Payment on a $10,000, 60 month RV loan at 5.45% APR is $190.78 per month.

Home Equity

90% Maximum Loan to Value, Fixed Rate

4.95% APR*

Payment on a $50,000, 15 year Home Equity loan at 4.95% APR is $394.09 per month. Loans over 80% loan-to-value will require an appraisal.

Home Equity Line-Of-Credit

90% Maximum Loan to Value. Variable Rate.

5.50% APR*

Loans over 80% loan-to-value will require an appraisal.

Home Improvement

Maximum Amount Financed is $30,000

5.95% APR*

Payment on a $20,000, 84 months Home Improvement loan at 5.95% APR is $291.69 per month.

Visa Credit Card

Platinum with Rewards, No Annual Fee

8.90% APR*

Line of Credit

Line of Credit with Checking

12.50% APR*

Savings Secured

Secured by Savings or a Certificate of Deposit

3.00% APR*

Lifestyle

Unsecured

8.95% APR*

Payment on a $10,000, 48 month Lifestyle loan at 8.95% APR is $248.61 per month.

Private Student Loans

No Origination, No Prepayment Penalty, Line of Credit, Variable Rate

7.25% APR*

Student Loan Refinance

Fixed rate, No origination, No Prepayment Penalty, up to $100,000, 5, 10 or 15 year repayment options	3.95% APR*
Variable rate, No Origination, No Prepayment Penalty, up to $100,000, 15 year repayment	7.00% APR*

*The Private Student Loan and Student Loan Refinance variable rate products will adjust quarterly on the first of the month using the Prime Rate as published in the Money section of The Wall Street Journal on the first business day of the preceding month. Payment on a $20,000, 5 year Fixed Student Loan Consolidation at 3.95% APR is $367.89 per month. Rates shown for the Student Loan Refinance Fixed Rate Loan reflect a 0.25% discount for automatic electronic payments.

Rates effective November 1, 2018, excluding Student Loans, and subject to change without notice.
Student Loan Rates effective January 1, 2019.

*APR = Annual Percentage Rate. All rates listed are "as low as" and based upon credit history. Home Equity Line of Credit is a variable rate product but will not exceed 18% APR.

For current mortgage rates, please click here to be directed to our mortgage site:

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Rates effective October 1, 2018.

*APR = Annual Percentage Rate. All rates listed are "as low as" and based upon credit history. Home Equity Line of Credit is a variable rate product but will not exceed 18% APR. Equal Housing Lender. The Private Student Loans rate is variable and will adjust quarterly on the first of the month using the Prime Rate as published in the Money section of The Wall Street Journal on the first business day of the preceding month.

Primary Savings

Balance	Dividend	APY*
$5 Minimum Deposit	0.15 %	0.15 %

Incentive Checking

Balance	Dividend	APY*
$0 - $25,000	1.98 %	2.00 %

Money Market

Balance	Dividend	APY*
$2,500 - $74,999.99	0.50 %	0.50 %
$75,000 and over	1.00 %	1.00 %

Certificates of Deposit

Term	Dividend	APY*
12 Months	0.75 %	0.75 %
18 Months	NA	NA
13 Month (Special)	2.58 %	2.60 %
24 Months	1.00 %	1.00 %
36 Months	1.24 %	1.25 %
48 Months	NA	NA
60 Months	NA	NA

Rates effective November 1, 2018.

* APY = Annual Percentage Yield. Rates are subject to change. Fees may reduce earnings.

Minimum deposit amount of $500 for Certificate of Deposits. Penalty for early withdrawal of Certificate of Deposits. Novation deposits are federally insured up to $250,000 by the NCUA.

For Incentive Checking: To receive the 2.00% APY you must meet the following requirements per month: (1) one payroll direct deposit, (2) must be enrolled in eStatements with a valid email address and (3) 12 Visa Debit Card purchase transactions that must average at least $5. The 12 Visa Debit Card purchases excludes cash advances, ATM transactions, returned purchases, disputed or unauthorized/fraudulent transactions, or fees caused by check card use. Accounts that meet the requirements will receive 1.50% APY on balances up to $25,000. Resulting APY if requirements are not met or for balances in excess of $25,000 is 0%. Incentive Checking rates and program subject to change.

Calculators