Rates


Interest Rate Effective Date: 6/28/2017
 

Loan Rates
Loans Annual Percentage Rate (APR) Collateral
New Vehicles As Low as 1.95% New Vehicle
Used Vehicles As Low As 1.95% Used Vehicle
Home Equity Real Estate As Low As 3.75% 1st Real Estate Mortgage
Home Equity Real Estate As Low As 3.75% 2nd Real Estate Mortgage
Real Estate Call for Current Rates 1st Real Estate Mortgages Maturities more than 10 years
Signature As Low As 7.0% Loan less than 100% Secured Matures 12 months or less
Visa Classic 9.90% No annual fee, points can be earned for travel and merchandise
Visa Super Classic 8.90% 10.00 annual fee, points can be earned for travel and merchandise
Visa Share Secured 7.90% No annual fee, points can be earned for travel and merchandise


Share Savings
Type of Account Dividend Rate Annual Percentage Yield (APY) Requirements
Regular Shares (S1) .10% .10% $15.00 balance
Secondary Shares – (S2) .10% .10% None
Vacation Club – (S4) .10% .10% None
Christmas Club – (S5) .10% .10% None
Bonus - (S6) .20% .20% $500.00 - $24,999.99
Bonus - (S6) .30% .30% $25,000.00 - $49,999.99
Bonus - (S6) .30% .30% $50,000.00 - +
Escrow - (S7) 0.05% 0.05% None
IRA Daily - (S8, S18, S60, S70) 1.00% 1.00% None
Dividend Bearing Share Drafts 0.05% 0.05% $750.00 minimum to avoid $7.50 fee


Share Certificates – Early Withdrawal Penalties Apply
Term Dividend Rate Annual Percentage Yield (APY) Minimum Balance
6 Months .25% .25% $500 - $9,999
12 Months .40% .40% $500 - $9,999
24 Months .75% .75% $500 - $9,999
36 Months 1.00% 1.00% $500 - $9,999 (1 time bump offer)
48 months 1.25% 1.26% $500 - $9,999 (1 time bump offer)
60 Months 1.40% 1.41% $500 - $9,999 (1 time bump offer)
6 Months .40% .40% $10,000 and Over
12 Months .55% .55% $10,000 and Over
24 Months .90% .90% $10,000 and Over
36 Months 1.25% 1.26% $10,000 and Over (1 time bump offer)
48 Months 1.40% 1.41% $10,000 and Over (1 time bump offer)
60 Months 1.55% 1.56% $10,000 and Over (1 time bump offer)
18 Months Special .70% .70% $5,000 and Over (1 time bump after 6 months)


IRA Share Certificates – Early Withdrawal Penalties Apply
Term Dividend Rate Annual Percentage Yield (APY) Minimum Balance
6 Months .40% .40% $500 and Over
12 Months .55% .55% $500 and Over
24 Months .90% .90% $500 and Over
36 Months 1.25% 1.26% $500 and Over (1 time bump after 1 year)
48 Months 1.40% 1.41% $500 and Over (1 time bump after 1 year)
60 Months 1.55% 1.56% $500 and Over (1 time bump after 1 year)
18 Months Special .70% .70% $5000 and Over (1 time bump after 6 months)

Sirius XM Free 3 Month Trial

We have partnered with Sirius XM to offer a 3 month free trial membership on used auto loans. This program is no cost to you and no obligation to continue after the trial. Your vehicle must be equipped with factory installed satellite radio and you must not have participated in a free trial within the last 12 months. That is all there is to it! Also you don't need to be in your car to enjoy Sirius XM. Streaming online and the Sirius XM app are included. If you have any questions, please contact us or stop in our lobby. We are very excited to offer this new program!


Equifax Data Breach

Equifax Data breach lasted from mid-May through July. The hackers accessed people’s names, Social Security numbers, birth dates, addresses and, in some instances, driver’s license numbers. They also stole credit card numbers for about 209,000 people and dispute documents with personal identifying information for about 182,000 people. You can visit www.equifaxsecurity2017.com to find out if your information was exposed. Click on the “Potential Impact” tab and enter your last name and the last six digits of your social security number. Your social security number is sensitive information, so make sure you are on a secure computer and an encrypted network connection any time you enter it. The site will tell you if you have been affected by this breach. Here are some other steps to take to help protect yourself after a data breach: Check your credit reports for free at annualcreditreport.com. Get a free copy of your credit report every 12 months from each credit reporting company. Consider placing a credit freeze on your files. Monitor your existing credit card and bank accounts closely for charges you don’t recognize.


LOBBY

mon-fri • 8am-5:30pm
sat closed

DRIVE-UP

mon-fri • 7:30am-6pm
sat 8am - 1pm
1430 South Broadway, Minot, ND 58701

1-800-286-1650
1-701-837-5353
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