Rates

Loan Rates

Loan Calculator

Titled Collateral Loans

Includes auto, camper and boats over 16’ long.

Comparison table of Titled Collateral Loans.
Product	APR*. as low as	Monthly Payment per $1,000
0 - 36 months	4.24%	$29.63
37 - 48 months	4.49%	$22.80
49 - 60 months	4.49%	$18.64
61 - 72 months	4.74%	$15.98
73 - 84 months	6.24%	$14.72
85 -108 months	7.74%	$12.88
120 months	7.99%	$12.13
180 months	8.49%	$9.84

Non-Titled Recreational Loans

Includes snowmobile, ATV/UTV, boat and camper loans under 16’ long, 2010 or newer.

Comparison table of Non-Titled Recreational Loans.
Product	APR*. as low as	Monthly Payment per $1,000
0 - 36 months	6.99%	$30.87
37 - 48 months	7.24%	$24.06
49 - 60 months	7.24%	$19.91
61 - 72 months	7.99%	$17.16
73 - 84 months	8.99%	$16.08

Mortgage Rates

Comparison table of Mortgage Rates.
Product	APR*. as low as	Monthly Payment per $1,000
7 Year Fixed	5.50%	$14.37
10 Year Fixed	5.50%	$10.85
15 Year Fixed	6.25%	$8.57
20 Year Fixed	6.75%	$7.60
5/1 ARM	6.25%	$6.16
7/1 ARM	6.50%	$6.32
10/1 ARM	7.00%	$6.65

We also have a 30 year fixed. Call for rates!

Home Equity, Home Improvement and Land Loans

Comparison table of Home Equity, Home Improvement and Land Loans.
Product	APR*. as low as	Monthly Payment per $1,000
Home Equity Loan	7.00%	Call us for today's great rate.
HELOC	8.50%	Call us for today's great rate.
Home Improvement Personal Loan	9.50%	Call us for today's great rate.
Land Loan	7.50%	Call us for today's great rate.

Kwik Cash Line of Credit

Comparison table of Kwik Cash Line of Credit.
	APR*	Monthly Payment per $1,000
Revolving	18.000%	Varies

Personal Loans

Comparison table of Signature Loans.
Product	APR*. as low as	Monthly Payment per $1,000
48 months or less	10.490%	$25.60
49-60 months	11.490%	$21.99
61-72 months	12.990%	$20.07

CREDIT CARDS

Comparison table of Credit Cards.
Product	APR*. as low as	Monthly Payment per $1,000
Visa Classic Rewards**	14.24%	Varies

Deposit Rates

Checking Account Rates

Comparison table of Checking Account Rates.
Product	Min. Balance	Int.erest Rate	APY*
Everyday Checking	$0.00	0.00%	0.00%
Rewards Checking	$250.00	0.05%	0.05%
Rewards Checking	$5,000.00	0.10%	0.10%
Rewards Checking	$10,000.00	0.15%	0.15%
Teen Checking	$0.00	0.00%	0.00%
Business Checking	$0.00	0.00%	0.00%

Savings Account Rates

Comparison table of Savings Accounts.
Product	Min. Balance	Int.erest Rate	APY*
Everyday Savings	$25.00	0.15%	0.15%
Saver's Sweepstakes	$0.00	0.40%	0.40%
Christmas Club	$0.00	0.75%	0.75%
Kids Club	$1.00	2.00%	2.02%
Ripco Kids Club*	$501.00	0.15%	0.15%
IRA Savings	$25.00	0.15%	0.15%
Money Market	$0.00	0.50%	0.50%
Money Market	$10,000.00	1.00%	1.01%
Money Market	$25,000.00	1.75%	1.76%
Business Savings	$25.00	0.15%	0.15%
Health Savings	$0.00	0.20%	0.20%

Certificate Rates

Comparison table of Certificate Rates.
Product	Min. Balance	Int.erest Rate	APY*
3-Month Share CD	$500.00	0.75%	0.75%
6-Month Share CD	$500.00	1.00%	1.00%
12-Month Share CD	$500.00	3.00%	3.03%
24-Month Share CD	$500.00	3.25%	3.29%
36-Month Share CD	$500.00	3.50%	3.55%
48-Month Share CD	$500.00	3.50%	3.55%
12-Month Educational CD	$500.00	3.10%	3.14%

Traditional and Roth IRA Rates

Comparison table of Traditional and Roth IRA Rates.
Product	Min. Balance	Int.erest Rate	APY*
12-Month IRA CD	$500.00	3.00%	3.03%
24-Month IRA CD	$500.00	3.25%	3.29%
36-Month IRA CD	$500.00	3.50%	3.55%
48-Month IRA CD	$500.00	3.50%	3.55%

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