Rates

Vehicle Loans

Type	Maximum Terms	APR*
New (2022 – 2026)	84 months	As low as 6.24% for 60 mos.
Used (2018 – 2021)	72 months	As low as 6.49% for 60 mos.
Older (2017 or older)	60 months	As low as 7.74% for 60 mos.

Recreational Vehicle Loans

Type	Maximum Terms	APR*
New (2019 – 2026)	180 months	As low as 8.24% for 60 mos.
Older (2018 or older)	120 months	As low as 9.24% for 60 mos.

Boat/Motor/Trailer Loans

Type	Maximum Terms	APR*
New (2019 – 2026)	180 months	As low as 8.24% for 60 mos.
Used (2018 or older)	120 months	As low as 9.24% for 60 mos.

Motorcycle/Cargo/Horse Trailer Loans

Type	Maximum Terms	APR*
New (2019 – 2026)	84 months	As low as 8.24% for 60 mos.
Used (2018 or older)	84 months	As low as 9.24% for 60 mos.

ATV/UTV/Dirt Bike/Snowmobile/Jet Ski Loans

Type	Maximum Terms	APR*
New (2019 – 2026)	72 months	As low as 8.24% for 60 mos.
Used (2018 or older)	72 months	As low as 9.24% for 60 mos.

Mobile Home Loans

Type	Maximum Terms	APR*
New (2019 – 2026)	180 months	As low as 8.50% for 84 mos.
Used (2016 or older)	84 months	As low as 8.50% for 84 mos.

Shared Secure Loans

Type	Maximum Terms	APR*
Regular Shares	144 months	3.00%
Share Certificates	Term cannot exceed the term of the certificate.	2.00% above certificate rate, rounded up to nearest .25%

Personal Loans

Maximum Terms	APR*
60 months	As low as 9.99% to 16.00%

Mortgage Loans

Type	Maximum Terms	APR*
Home Equity Line of Credit – Variable	180 months	As low as 7.25%
In-House Mortgage and Secondary Market Programs Available	Various	Call now for current market rates
Home Equity – Fixed	60 months	As low as 5.75%
Home Equity – Fixed	120 months	As low as 6.50%
Home Equity – Fixed	180 months	As low as 7.25%
Construction Loan	12 months	As low as 7.00%
5/5/5 ARM – 1st Mortgage	5/15 variable	As low as 4.74%
10 Year Fixed – 1st Mortgage	120 months	As low as 4.99%

Agriculture/Commercial Loans

Contact a Commercial Loan Officer for current rates.

Account Type	Rate*	APY*
Metro Savings (ADB Under $10,000)	1.045%	1.05%
Metro Savings ($10,001+)	.03%	.03%
Sam Money Market (ADB under $25,000)	.03%	.03%
Sam Money Market ($25,000 – $49,999.99)	1.982%	2.00%
Sam Money Market ($50,000 – $74,999.99)	2.472%	2.50%
Sam Money Market ($75,000 – $99,999.99)	2.96%	3.00%
Sam Money Market ($100,000+)	3.445%	3.50%
Max Money Market (ADB under $99,999.99)	.03%	.03%
Max Money Market ($100,000 – $249,999.99)	3.445%	3.50%
Max Money Market ($250,000+)	3.687%	3.75%
ACE Money Market (ADB under $250,000)	.499%	.50%
ACE Money Market ($250,000+)	3.928%	3.99%
Coverdell, Traditional & Roth IRA Shares (ADB under $10,000)	.05%	.05%
Coverdell, Traditional & Roth IRA Shares ($10,000 – $24,999)	.10%	.10%
Coverdell, Traditional & Roth IRA Shares ($25,000 – $49,999)	.15%	.15%
Coverdell, Traditional & Roth IRA Shares ($50,000 – $99,999)	.20%	.20%
Coverdell, Traditional & Roth IRA Shares ($100,000+)	.25%	.25%
Wealth Builder Savings Account (up to $10,000)	1.045%	1.05%
Wealth Builder Plus Savings Account ($2,500 – $19,999)	1.045%	1.05%
Secure Checking ($2,500 – $10,000)	.05%	.05%
Secure 55+ Checking (ADB $2,500)	.05%	.05%
Christmas Club (up to $5,000; ADB >$5,000 earns 0.000%)	.25%	.25%

Type	Minimum	Rate*	APY*
Cubby/fyi Certificates 6 Months	$100	1.045%	1.05%
Cubby/fyi Certificates 12 Months	$100	1.144%	1.15%
6 Month Certificates	$500 – $9,999	1.045%	1.05%
6 Month Certificates	$10,000 – $24,999	1.094%	1.10%
6 Month Certificates	$25,000 – $49,999	1.144%	1.15%
6 Month Certificates	$50,000 – $99,999	1.243%	1.25%
6 Month Certificates	$100,000+	1.342%	1.35%
12 Month Certificates	$500 – $9,999	1.342%	1.35%
12 Month Certificates	$10,000 – $24,999	1.440%	1.45%
12 Month Certificates	$25,000 – $49,999	1.539%	1.55%
12 Month Certificates	$50,000 – $99,999	1.687%	1.70%
12 Month Certificates	$100,000+	1.785%	1.80%
18 Month Certificates	$500 – $9,999	1.638%	1.65%
18 Month Certificates	$10,000 – $24,999	1.736%	1.75%
18 Month Certificates	$25,000 – $49,999	1.834%	1.85%
18 Month Certificates	$50,000 – $99,999	1.982%	2.00%
18 Month Certificates	$100,000+	2.080%	2.10%
24 Month Certificates	$500 – $9,999	1.736%	1.75%
24 Month Certificates	$10,000 – $24,999	1.884%	1.90%
24 Month Certificates	$25,000 – $49,999	2.031%	2.05%
24 Month Certificates	$50,000 – $99,999	2.178%	2.20%
24 Month Certificates	$100,000+	2.276%	2.30%
36 Month Certificates	$500 – $9,999	1.785%	1.80%
36 Month Certificates	$10,000 – $24,999	1.933%	1.95%
36 Month Certificates	$25,000 – $49,999	2.080%	2.10%
36 Month Certificates	$50,000 – $99,999	2.227%	2.25%
36 Month Certificates	$100,000+	2.374%	2.40%
60 Month Certificates	$500 – $9,999	1.785%	1.80%
60 Month Certificates	$10,000 – $24,999	2.080%	2.10%
60 Month Certificates	$25,000 – $49,999	2.227%	2.25%
60 Month Certificates	$50,000 – $99,999	2.374%	2.40%
60 Month Certificates	$100,000+	2.570%	2.60%
IRA 12 Month Certificates	$500 – $9,999	1.342%	1.35%
IRA 12 Month Certificates	$10,000 – $49,999	1.539%	1.55%
IRA 12 Month Certificates	$50,000 – $99,999	1.687%	1.70%
IRA 12 Month Certificates	$100,000+	1.785%	1.80%
IRA 24 Month Certificates	$500 – $9,999	1.736%	1.75%
IRA 24 Month Certificates	$10,000 – $49,999	2.031%	2.05%
IRA 24 Month Certificates	$50,000 – $99,999	2.178%	2.20%
IRA 24 Month Certificates	$100,000+	2.276%	2.30%
IRA 36 Month Certificates	$500 – $9,999	1.785%	1.80%
IRA 36 Month Certificates	$10,000 – $49,999	2.080%	2.10%
IRA 36 Month Certificates	$50,000 – $99,999	2.227%	2.25%
IRA 36 Month Certificates	$100,000+	2.374%	2.40%
IRA 60 Month Certificates	$500 – $9,999	1.785%	1.80%
IRA 60 Month Certificates	$10,000 – $49,999	2.227%	2.25%
IRA 60 Month Certificates	$50,000 – $99,999	2.374%	2.40%
IRA 60 Month Certificates	$100	2.570%	2.60%
Coverdell Education Savings Certificate 12 Months	$100	1.144%	1.15%
Coverdell Education Savings Certificate 24 Months	$100	1.736%	1.75%
Coverdell Education Savings Certificate 60 Months	$100	1.785%	1.80%

Visa Card Summary Terms and Conditions

Annual Percentage Rate – Fixed rate based on credit score and credit approval	7.95% – 17.90% APR
Grace Period for Purchases	25 Days
Annual Fee	None
Minimum Finance Charge	None
Method of Computing the Balance for Purchase	Average Daily Balance (including new purchase)
Late Fee	up to $35.00
Over the Credit Limit Fee	$25.00 per billing cycle, if applicable
Cash Advance Transaction Fee	None
Foreign Transaction Fee	1% of dollar amount of transaction