Checking Rates
Rates as of 12/15/2024. Dividends are compounded monthly on Interest Yielding Checking Accounts.
| Checking Accounts | Minimum | Dividend Rate | APY* |
|---|---|---|---|
| Saver & Saver Plus | $25 to open | ||
| Tier 1 | $0.00 - $25,000 | 0.75% | 0.75%** |
| Tier 2 | Above $25,000 | 0.10% | 0.10%** |
| Qualifications not met | 0.02% | 0.02% | |
| Senior (60+) | $25 to open | N/A | N/A |
| Simple (e-Checking) | $25 to open | N/A | N/A |
| Spender | $25 to open | N/A | N/A |
| Money Market | $25 to open | ||
| Base | $0 - $2,499 | 0.02% | 0.02% |
| Tier 1 | $2,500 - $9,999 | 2.62% | 2.65% |
| Tier 2 | $10,000 - $24,999 | 2.72% | 2.75% |
| Tier 3 | $25,000 - $49,999 | 3.01% | 3.05% |
| Tier 4 | $50,000 - $249,999 | 3.11% | 3.15% |
| Tier 5 | $250,000 + | 3.45% | 3.50% |
| Health Savings Account with Checking (HSA) | |||
| Tier 1 | $0 - $499 | 0.02% | 0.02% |
| Tier 2 | $500 + | 0.10% | 0.10% |
* Annual Percentage Yield - Rates subject to change daily.
** Additional requirements must be met to receive this rate. Receive 1.00% Annual Percentage Yield (APY) & ATM Fee Refunds up to $25 monthly if requirements are met up to balances of $25,000 (a rate of 0.10% APY applies for any balance above $25,000). If requirements are not met during the statement cycle, a rate of 0.02% APY will apply & ATM fees will not be refunded. There is no minimum balance required & no monthly service charge. To qualify for 1.00% APY all requirements must be posted to checking account BEFORE the last business day each month.
For additional information: (937) 859-6260
Savings Rates
Rates as of 12/15/2024. Savings rates displayed are set at the beginning of each month and are subject to change daily. Penalties may apply for early withdrawal.
| Savings Accounts | Minimum | Dividend Rates | APY* |
|---|---|---|---|
| Primary Savings - required for membership | $5 | 0.02% | 0.02% |
| Secondary Savings | N/A | 0.02% | 0.02% |
| Smart Savings Account | |||
| Tier 1 | $0 - $100,000 | 0.25% | 0.25% |
| Tier 2 | Above $100,000 | 0.10% | 0.10% |
| Qualifications not met | 0.02% | 0.02% | |
| Christmas Savings | N/A | 0.02% | 0.02% |
| Vacation Club Savings | N/A | 0.02% | 0.02% |
| Sweet Savings Youth Account | |||
| Tier 1 | $5-$1,000 | 6.00% | 6.17% |
| Tier 2 | Above $1,000 | 0.02% | 0.02% |
| Cap & Gown College Savings | |||
| Age 0 - 8 | $100 | 4.04% | 4.12% |
| Age 9 - 14 | $100 | 3.54% | 3.60% |
| IRA Savings | N/A | 1.98% | 2.00% |
| Certificates & IRAs | |||
| 6 months | $500 | 4.17% | 4.25% |
| 12 months (Bump one time)** | $1,000 | 4.12% | 4.20% |
| 18 months (Bump one time)** | $1,000 | 4.02% | 4.10% |
| 24 months (Bump one time)** | $1,000 | 3.78% | 3.85% |
| 36 months | $1,000 | 3.59% | 3.65% |
| 48 months | $1,000 | 3.54% | 3.60% |
| 60 months | $1,000 | 3.45% | 3.50% |
| Jumbo Certificates | |||
| 24 months (Bump one time)** | $100,000 | 4.02% | 4.10% |
| 36 months | $100,000 | 3.83% | 3.90% |
| 48 months | $100,000 | 3.78% | 3.85% |
| 60 months | $100,000 | 3.69% | 3.75% |
Dividends are compounded monthly on: Smart Savings, Money Market, HSA's, Cap & Gown, and Certificates. Dividends on all other accounts are compounded quarterly.
** Offer valid on 12-, 18-, and 24-month certificates only. Offer subject to end or change without notice. Minimum $1,000 deposit to open. In the event that the qualifying certificate rate increases during the term, certificate rate may be increased, at member’s request, to the newer rate. One rate change permitted during the term of the certificate. Early withdrawal penalties apply. Other rates and terms available.
*Annual Percentage Yield - Rates subject to change daily.
For additional information: (937) 859-6260
Auto Loan Rates
Rates as of 12/15/2024
| Auto Loans | 63 Month Rate (as low as) | 63 Month APR* (as low as) |
|---|---|---|
| 2021 & newer | 5.99% | 6.38% |
Subject to application and credit approval. A $20,000 loan amount with $99 processing fee will result in 63 monthly payments of 373.49 if first payment is made within 30 days. Other rates, terms, payments and loan amounts are available. Rate may vary depending on each individual’s credit history and underwriting factors.
*Annual Percentage Rate - Rates subject to change daily.
| Auto Loans | 63 Month Rate (as low as) | 63 Month APR* (as low as) |
|---|---|---|
| 2020 & older | 6.79*% | 7.19% |
Subject to application and credit approval. A $20,000 loan amount with $99 processing fee will result in 63 monthly payments of 381.17 if first payment is made within 30 days. Other rates, terms, payments and loan amounts are available. Rate may vary depending on each individual’s credit history and underwriting factors.
*Annual Percentage Rate - Rates subject to change daily.
Credit Card Rates
Rates as of 12/15/2024
| Credit Cards | Introductory APR* (12 months) | Min. APR* | Max APR* | |
|---|---|---|---|---|
| Master Card | Variable Rate | 6.99% | 13.75% | 20.75% |
Rate based on your creditworthiness. This APR* will vary with the market based on the Prime Rate. Programs, rates, terms and conditions are subject to change without notice.
*Annual Percentage Rate - Rates subject to change daily.
Home Equity Rates
Rates as of 12/15/2024
Call for Variable Rates.
937-859-6260 ext 2302
Up to 80% CLTV (Combined Loan-to-Value)
Subject to credit approval and must be borrower’s primary residence. Home Equity loans are also subject to acceptable property appraisal and title search. Minimum Line of Credit amount is $10,000 to a maximum of $200,000. Minimum advance amount of $200
Variable rate is based on the highest Prime Rate as published in the Money Rates section of the Wall Street Journal on the first day of each month. Maximum rate 18%.
Fees: Appraisal fees range from $525-$595; Title fees: $95; Processing fee: $80
Property insurance is required. Flood insurance may be required.
Call for rates. No rates will be published as they change daily.
937-859-6260 ext 2302
Up to 90% CLTV (Combined Loan-to-Value)
Subject to credit approval and must be borrower’s primary residence. Home Equity loans are also subject to acceptable property appraisal and title search.
Fees: Appraisal fees range from $525-$595; title fees: $95; processing fee $80
Property insurance is required. Flood insurance may be required.
Personal Loan Rates
Rates as of 12/15/2024
| 36 Month Rate (as low as) | 36 Month APR* (as low as) |
|---|---|
| 10.99% | 17.66% |
Subject to application and credit approval. A $1,000 loan amount with $99 processing fee will result in 36 monthly payments of $35.97 if first payment is made within 30 days. Other rates, terms, payments and loan amounts are available. Rate may vary depending on each individual’s credit history and underwriting factors.
*Annual Percentage Rate - Rates subject to change daily.
Biz Checking & Savings Rates
Rates displayed are set at the beginning of each month and are subject to change daily.
Rates for Business Dividend Checking and Vision Checking
Rates as of 12/15/2024
| Checking Accounts | Minimum | Dividend Rates | APY* |
|---|---|---|---|
| Biz Dividend** & Vision Checking | |||
| Tier 1 | $1,000 - $25,000 | 0.02% | 0.02% |
| Tier 2 | $25,000.01 - $100,000 | 0.10% | 0.10% |
| Tier 3 | $100,000.01 + | 0.20% | 0.20% |
Minimum balance to earn dividends is $1,000.
* Annual Percentage Yield - Rates subject to change daily.
** Monthly fees may apply for Business Dividend
For additional information: (937) 859-6260
Money Market 4BIZ Rates
Rates as of 12/15/2024
| Savings Accounts | Minimum | Dividend Rates | APY* |
|---|---|---|---|
| Money Market Checking | |||
| Base | $0 - $2,499 | 0.02% | 0.02% |
| Tier 1 | $2,500 - $9,999 | 2.62% | 2.65% |
| Tier 2 | $10,000 - $24,999 | 2.72% | 2.75% |
| Tier 3 | $25,000 - $49,999 | 3.01% | 3.05% |
| Tier 4 | $50,000 - $249,999 | 3.11% | 3.15% |
| Tier 5 | $250,000 + | 3.45% | 3.50% |
Dividends are compounded monthly on: Money Market Account and Certificates. Dividends on all other accounts are compounded quarterly.
* Annual Percentage Yield - Rates subject to change daily.
For additional information: (937) 859-6260
Certificate 4BIZ Rates
Rates as of 12/15/2024
| Savings Accounts | Minimum | Dividend Rates | APY* |
|---|---|---|---|
| Certificates | |||
| 6 months | $500 | 4.17% | 4.25% |
| 12 months (Bump one time)** | $1,000 | 4.12% | 4.20% |
| 18 months (Bump one time)** | $1,000 | 4.02% | 4.10% |
| 24 months (Bump one time)** | $1,000 | 3.78% | 3.85% |
| 36 months | $1,000 | 3.59% | 3.65% |
| 48 months | $1,000 | 3.54% | 3.60% |
| 60 months | $1,000 | 3.45% | 3.50% |
| Jumbo Certificates | |||
| 24 months (Bump one time)** | $100,000 | 4.02% | 4.10% |
| 36 months | $100,000 | 3.83% | 3.90% |
| 48 months | $100,000 | 3.78% | 3.85% |
| 60 months | $100,000 | 3.69% | 3.75% |
Dividends are compounded monthly on: Money Market Account and Certificates. Dividends on all other accounts are compounded quarterly.
** Offer valid on 12-, 18-, and 24-month certificates only. Offer subject to end or change without notice. Minimum $1,000 deposit to open. In the event that the qualifying certificate rate increases during the term, certificate rate may be increased, at member’s request, to the newer rate. One rate change permitted during the term of the certificate. Early withdrawal penalties apply. Other rates and terms available.
* Annual Percentage Yield - Rates subject to change daily.
For additional information: (937) 859-6260