Loan Rates

TypeAPR *
New Auto up to 96 mo.5.99% - 15.99%
New RV up to 96 mo.6.49% - 14.99%
New RV 108 - 144 mo.9.74% - 15.24%
Used Auto up to 84 mo.5.99% - 16.23%
Used RV up to 84 mo.6.49% - 15.23%
Used RV 96 - 144 mo.9.49% - 17.99%
Used Auto 2019 and under up to 72 mo.5.99% - 18.00%
Used RV 2019 and under up to 72 mo.6.49% - 17.99%
Personal max. 60 mo.8.00% - 17.90%
Line of Credit10.00% - 15.00%
Credit Card6.90% - 18.00%

*APR = Annual Percentage Rate. APR* varies depending on Borrower’s FICO Score, vehicle year model, & term of loan.

Savings Rates

ACCOUNT / PRODUCTMIN. BALANCEDIVIDEND RATEAPY *
Share / Savings$300.00.01.01
Guardian Checking$800.00.10.10
IRA ShareNone.50.50

*APY = Annual Percentage Yield. Fees may reduce earnings.

Money Market Rates

BALANCE / TIERDIVIDEND RATEAPY *
$0 - 9,9990.150.15
$10,000 – 24,9990.250.25
$25,000 – 49,9990.350.35
$50,000 – 74,9990.450.45
$75,000 - PLUS0.540.54

*APY = Annual Percentage Yield. Fees may reduce earnings.
Money Market Rates – Tiered | Minimum Opening Balance: $2,500 | $10 fee/month assessed if balance falls below $2,500 | Dividends continue to be earned and paid

Share Certificates

TERMDIVIDEND RATEAPY *
3 Months0.250.25
6 Months0.900.90
12 Months3.853.92
24 Months4.004.07
36 Months2.152.17
48 Months2.402.43
60 Months2.452.48
Rate Riser (36 Month; $10kMin)2.002.02

*APY = Annual Percentage Yield.
** A penalty may be imposed for early withdrawal
Term Share and IRA Certificates | Minimum Balance $1,000

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