Rates - Novation

New Vehicle

Model Years 2021 & Newer, up to 60 Month Term	4.99% APR*
Model Years 2021 & Newer, up to 72 Month Term	5.49% APR*
Model Years 2021 & Newer 73 - 84 Month Term, Minimum $50,000 Loan	5.99% APR*

Payment on a $20,000, 60 month New Auto loan at 4.99% APR is $375.77 per month.

Used Vehicle

Model Years 2016 - 2020, up to 60 Month Term	5.49% APR*
Model Years 2016 - 2020, up to 72 Month Term	5.99% APR*
Model Years 2013 - 2015, up to 60 Month Term	6.49% APR*
All Models 10 Years or Older, up to 48 Month Term	8.49% APR*

Payment on a $20,000, 60 month Used Auto loan at 5.49% APR is $389.12 per month.

New Recreational Vehicles

Model Years 2021 & Newer: Boats, Motorcycles, Snowmobiles, ATV's, Personal Watercraft, Campers, up to 84 Month Term	5.49% APR*
Model Years 2021 & Newer: Boats, Motorcycles, Snowmobiles, ATV's, Personal Watercraft, Campers, 85 -180 Month Term	6.25% APR*

Payment on a $10,000, 60 month RV loan at 5.49% APR is $190.10 per month.

Used Recreational Vehicles

Model Years 2020 & Older: Boats, Motorcycles, Snowmobiles, ATV's, Personal Watercraft, Campers, up to 84 Month Term	6.75% APR*
Model Years 2020 & Older: Boats, Motorcycles, Snowmobiles, ATV's, Personal Watercraft, Campers, 85 -180 Month Term	7.25% APR*

Payment on a $10,000, 60 month RV loan at 6.75% APR is $195.73 per month.

Home Equity - Fixed Rate

80% Loan to Value, Up to 60 Month Term	5.25% APR*
80% Loan to Value, 61 - 120 Month Term	5.99% APR*
80% Loan to Value, 121 - 180 Month Term	6.49% APR*
90% Loan to Value, Fixed Rate, Up to 60 Month Term	5.75% APR*
90% Loan to Value, 61 - 120 Month Term	6.49% APR*
90% Loan to Value, 121 - 180 Month Term	7.25% APR*

Payment on a $20,000, 5 year Home Equity loan at 5.25% APR is $378.06 per month. Loans over 80% loan-to-value will require an appraisal.

Home Equity Line-Of-Credit

90% Maximum Loan to Value. Variable Rate.

7.50% APR*

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

Home Improvement

Maximum Amount Financed is $30,000

7.95% APR*

Payment on a $20,000, 84 months Home Improvement loan at 7.95% APR is $311.20.

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

9.95% APR*

Payment on a $10,000, 48 month Lifestyle loan at 9.95% APR is $251.30 per month.

Private Student Loans

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

9.00% APR*

Student Loan Refinance

Fixed rate, No origination, No Prepayment Penalty, up to $100,000, 5 year repayment	4.95% APR*
Fixed rate, No origination, No Prepayment Penalty, up to $100,000, 10 year repayment	5.95% APR*
Fixed rate, No origination, No Prepayment Penalty, up to $100,000,15 year repayment	6.95% APR*
Variable rate, No Origination, No Prepayment Penalty, up to $100,000, 15 year repayment	8.75% 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 4.95% APR is $375.42 per month. Rates shown for the Student Loan Refinance Fixed Rate Loan reflect a 0.25% discount for automatic electronic payments.

Loan rates effective December 21, 2022, excluding Student Loans, and subject to change without notice.
Student Loan Rates effective January 23, 2023.

*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 for mortgages change daily and subject to change without notice.

*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	0.10 %	0.10 %

Incentive Checking

Balance	Dividend	APY*
$0 - $25,000	1.49%	1.50%

Money Market

Balance	Dividend	APY*
$1,000 - $49,999.99	0.90%	0.90%
$50,000 - $99,999.99	1.09%	1.10%
$100,000 +	1.24%	1.25%

Certificates of Deposit

Term	Dividend	APY*
13 Months	3.45 %	3.50 %
12 Months	0.15%	0.15 %
24 Months	0.15 %	0.15 %
36 Months	0.15 %	0.15 %

High Yield Savings

Balance	Dividend	APY*
$5 - $9,999.99	0.00 %	0.00 %
$10,000 +	3.20 %	3.25 %

A $5 minimum deposit is required to maintain account.

Rates effective January 3, 2023.

* 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 dividends 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 Novation debit OR credit card purchase transactions that must average at least $5, excluding cash advances, ATM transactions, returned purchases, disputed or unauthorized/fraudulent transactions, or fees caused by check card use. Debit and credit card transactions CANNOT be combined to meet the 12 transactions minimum. Accounts that meet the requirements will receive dividends 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