Account Rates
| Account | APR* As Low As |
|---|---|
| Visa Platinum (no annual fee) | 9.90% or 14.90% |
| Visa Business Rate | Rate follows prime plus 7%* |
| New Vehicles | 5.99%** |
| Used Vehicles | 6.24%** |
| RV and Boat Loans | 6.24%** |
| Home Equity Line of Credit | Variable rate as low as the prime rate. |
| Fixed Rate Equity | 6.99%*** |
| Home Improvement (no equity required) | 8.70% |
| First Mortgage (purchase or refinance) | Term 10 to 30 years (rates change daily) |
| Personal Loan | 10.90% |
PLEASE NOTE...All rates shown are the lowest rates available. Additional rate information based on individual's credit history, age of vehicle, and underwriting factors may result in higher rate. ALL RATES, TERMS & CONDITIONS ARE SUBJECT TO CHANGE WITHOUT PRIOR NOTICE.
*Visa Business APR = Annual Percentage Rate, is variable (7% + prime rate), meaning the rate fluctuates with the prime rate.**Vehicle Loan APR= Annual Percentage Rate may vary depending on each individual's credit history and underwriting factors. Up to 60 Mo. Max, 80% Loan to Value Max, No auto debit discount, $175 doc fee required. Rates shown are the lowest rates available for A+ borrowers.***Fixed Rate Equity APR= Annual Percentage Rates, may vary depending on each individual's credit history and underwriting factors. Programs, rates, terms and conditions are subject to change without notice. Current Hopewell loans, other coupons or promotions cannot be used for this offer.Programs, rates, terms and conditions are subject to change without notice
****Licking, Delaware, Franklin & Surrounding Counties. 20% Down. Subject to approval. Closing costs vary.
Current Share Certificate Rates
Minimum amount to open a share certificate is $500.
| Account | Dividend Rate | APY |
|---|---|---|
| 3 Month Certificate | 1.00% | 1.01% |
| 6 Month Certificate | 3.93% | 4.00% |
| 8 Month Certificate | 1.50% | 1.51% |
| 9 Month Certificate | 1.75% | 1.76% |
| 11 Month Certificate (no penalty for early withdrawal) | 1.50% | 1.51% |
| 12 Month Certificate | 1.80% | 1.82% |
| 15 Month Certificate | 2.00% | 2.02% |
| 17 Month Certificate | 1.85% | 1.87% |
| 18 Month Certificate | 1.90% | 1.92% |
| 23 Bump UP Certificate | 1.90% | 1.92% |
| 24 Month Certificate | 1.95% | 1.97% |
| 30 Month Certificate | 2.00% | 2.02% |
| 36 Month Certificate | 2.00% | 2.02% |
| 48 Month Certificate | 2.05% | 2.07% |
| 60 Month Certificate | 2.30% | 2.32% |
-Minimum amount to open a certificate is $500.00-Minimum amount to open a "no penalty", "Bump UP", or "17 Month" certificate is $2,500.00-Interest Rates on IRA Certificates are the same as Share Certificates, beginning with 6-month term.-Interest Rates are the same for the personal and business accounts.-Effective Date 9/4/24.*Annual Percentage Yield Shorter Term Certificates Available APY based on Monthly compounding for one year. Penalty applies for early withdrawal when made other than according to the terms on certificate, except for 11-month certificates. Interest Checking includes Business Checking accounts.*Relationship rate increases do not apply at the time of bump for the 23-month Bump UP CD
All items below, Declared December 2024.
| Accounts | Rate* | APY |
|---|---|---|
| Club IRA | 0.05% | 0.05% |
| Shares | 0.05% | 0.05% |
| Interest Checking $0-$9,999 | 0.05% | 0.05% |
| Business Interest Checking $10,000 & UP | 0.10% | 0.10% |
| Christmas Club Accounts | 0.05% | 0.05% |
-Interest Rates on IRA Certificates are the same as Share Certificates, beginning with 6-month term.-Interest Rates are the same for the personal and business accounts.*Annual Percentage Yield accurate as of 12/2/24 APY based on Monthly compounding for one year. Penalty applies for early withdrawal when made other than according to terms on certificate, except for 11-month certificates.-Rates subject to change without notice.
Rates - Savings Accounts
Money Market Share Account
| Tier | Rate* | APY |
|---|---|---|
| $0-2,499 | 1.300% | 1.308% |
| $2,500-9,999 | 1.400% | 1.409% |
| $10,000-24,999 | 1.450% | 1.460% |
| $25,000-49,999 | 2.000% | 2.018% |
| $50,000 - 99,999 | 2.500% | 2.529% |
| $100,000 & up | 2.750% | 2.785% |
-Interest Rates on IRA Certificates are the same as Share Certificates, beginning with 6 month term.
-Interest Rates are the same for the personal and business accounts.
*Annual Percentage Yield accurate as of December, 2024. APY based on Monthly compounding for one year. Penalty applies for early withdrawal when made other than according to terms on certificate, except for 11 month certificates.
-Rates subject to change without notice.