Rates

Account Rates – Effective 3/31/2018 – APY is accurate as of the last Dividend Declared Date – Until Further Notice
Account APY² Disclosures
Savings 0.10% $5 minimum balance to earn dividends
Christmas Club 0.10% $25 minimum balance to earn dividends
Go Green Rewards Checking 0.10% Non Qualified Tier
1.25% Qualified Tier 1 ($0 – $15,000)
0.20% Qualified Tier 2 (Over $15,000)
Elite Preferred Checking 1.00% $500 minimum balance to earn dividends
Non-Profit Checking 0.50%
Classic Checking 0.10% $500 minimum balance to earn dividends and avoid a service charge
Loans
Type As Low as (APR1) As High as (APR1) Disclosures
Secured Loans 2.99% 18.00% Rate determined by credit history
Signature Loans 8.74% 18.00% Rate determined by credit history
Money Market Rates
Tier APY²
$2,000 and Greater 0.20%
$0 to $1,999.99 0.10%
Share Certificate Dividends
Term Amount APY² Dividend Rate
6 Months $0.00 – $74,999.99 0.50% 0.50%
$75,000.00 – $224,999.99 0.65% 0.65%
$225,000.00+
12 Months $0.00 – $74,999.99 0.65% 0.65%
$75,000.00 – $224,999.99 0.75% 0.75%
$225,000.00+
18 Months $0.00 – $74,999.99 0.75% 0.75%
$75,000.00 – $224,999.99 0.85% 0.85%
$225,000.00+
24 Months $0.00 – $74,999.99 0.85% 0.85%
$75,000.00 – $224,999.99 1.00% 1.00%
$225,000.00+-
30 Months $0.00 – $74,999.99 1.00% 1.00%
$75,000.00 – $224,999.99 1.19% 1.20%
$225,000.00+
36 Months $0.00 – $74,999.99 1.19% 1.20%
$75,000.00 – $224,999.99 1.39% 1.40%
$225,000.00+ 1.59% 1.60%
48 Months $0.00 – $74,999.99 1.49% 1.50%
$75,000.00 – $224,999.99 1.64% 1.65%
$225,000.00+ 1.83% 1.85%
60 Months $0.00 – $74,999.99 1.59% 1.60%
$75,000.00 – $224,999.99 1.74% 1.75%
$225,000.00+ 1.93% 1.95%

* The minimum deposit for the second rate tier on certificates is $50,000 if you have a checking with direct deposit or an active loan.

IRA Share Certificate Dividends
Term Amount APY² Dividend Rate
6 Months $0.00 – $74,999.99 0.50% 0.50%
$75,000.00 – $224,999.99 0.65% 0.65%
$225,000.00+
12 Months $0.00 – $74,999.99 0.65% 0.65%
$75,000.00 – $224,999.99 0.75% 0.75%
$225,000.00+
18 Months $0.00 – $74,999.99 0.75% 0.75%
$75,000.00 – $224,999.99 0.85% 0.85%
$225,000.00+
24 Months $0.00 – $74,999.99 0.85% 0.85%
$75,000.00 – $224,999.99 1.00% 1.00%
$225,000.00+-
30 Months $0.00 – $74,999.99 1.00% 1.00%
$75,000.00 – $224,999.99 1.19% 1.20%
$225,000.00+
36 Months $0.00 – $74,999.99 1.19% 1.20%
$75,000.00 – $224,999.99 1.39% 1.40%
$225,000.00+ 1.59% 1.60%
48 Months $0.00 – $74,999.99 1.49% 1.50%
$75,000.00 – $224,999.99 1.64% 1.65%
$225,000.00+ 1.83% 1.85%
60 Months $0.00 – $74,999.99 1.59% 1.60%
$75,000.00 – $224,999.99 1.74% 1.75%
$225,000.00+ 1.93% 1.95%

* The minimum deposit for the second rate tier on certificates is $50,000 if you have a checking with direct deposit or an active loan.

Disclosures

  • APR1 = Annual Percentage Rate. Rates are based on creditworthiness and other factors and not all applicants will receive the lowest rate.
  • APY2 = Annual Percentage Yield
  • IRA and CD Share Certificate accounts have up to a $1,000 minimum to open based on tiered  minimums and terms, and penalties for early withdrawals may apply.
  • All Consumer and Mortgage loans are closed end loans, except for the home equity line of credit which is an open end loan.
  • Rates are variable and may change at any time. To obtain current rate information call (405) 722-2234 or 1-800-324-8259.
  • Fees may reduce earnings on deposit accounts. Our fee schedule can be accessed from the Truth In Savings disclosures. Click here to visit our disclosures page.
  • * The minimum deposit for the second rate tier on certificates is $50,000 if you have a checking with direct deposit or an active loan.
  • The Go Green checking account rates are tiered based on daily balance and monthly qualifications as stated in the Truth In Savings disclosure for share accounts.