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Current Rates
Loans | Savings | Certificates | Fees & Disclosures

Personal Loans

APR*

 

 

Secured car and truck loan as low as**

4.74%

 

Calculator

Recreation loan as low as**

6.50%

 

Calculator

Signature loan as low as**

11.00%

 

Calculator

Fast Funds Line of Credit

15.00%

   

*APR is the Annual Percentage Rate. **Rates posted are the lowest possible rates and may vary depending on past credit history, down payment, and approximate term. Rates are effective August 16, 2010 and are subject to change. All rates subject to approval depending on qualifications.

Business Loans

 

 

 

Please call Deb Otto in Duluth or Karla Miller in Cloquet for our current commercial loan rates - 218-625-8500 or 800-296-8871.

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Mortgage Loans

APR*

 

 

For current mortgage rates, please click here.

 

 

 

Consumer Home Equity Loans

APR*

 Term

 

Home Equity to 80% Loan to Value to 180 Months ***

6.25%

 180

Calculator

Home Improvement up to 80% Loan to Value to 180 Months***

7.00%

 180

Calculator

* APR is the Annual Percentage Rate. Rates are effective June 7, 2010 and are subject to change. ***Rates posted are the lowest possible rates and may vary depending on past credit history and loan-to-value ratio. All rates subject to approval depending on qualifications. Rate may increase over loan period. 1-Maximum APR is 18.00%

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Savings¹

Dividend
Rate

APY*

Term

Share Savings²

0.10%

0.10%

n/a

MembersPlus Money Market5

     
   Tier 2 0.15% 0.15%

 n/a

   Tier 3 0.60% 0.60%

  n/a

   Tier 4 0.80% 0.80%

  n/a

   Tier 5 1.00% 1.00%

 n/a

   Tier 6 1.24% 1.25%

 n/a

   Tier 7 1.49% 1.50%

 n/a

MembersBasic Money Market5 Rate   APY* Term
   Tier 2 0.15%  0.15%

 n/a

   Tier 3 0.40%  0.40%

 n/a

   Tier 4 0.70%  0.70%

 n/a

   Tier 5 0.95%  0.95%

 n/a

Money Market Rate  APY Term

   Tier 2

0.15%

 0.15%

n/a

   Tier 3

0.40%

 0.40%

n/a

   Tier 4

0.70%

 0.70%

n/a

   Tier 5

0.95%

 0.95%

n/a

Emergency Fund

0.10%

 0.15%

n/a

Christmas Club

0.10%

 0.10%

n/a

Preferred Checking³

0.05%

 0.05%

n/a

Classic Checking³

0.05%

 0.05%

n/a

Roth IRA

0.55%

 0.55%

n/a

Education IRA

0.55%

 0.55%

n/a

Traditional IRA

0.55%

 0.55%

n/a

Certificate IRA 36 Months

2.08%

 2.10%

36

Certificate IRA 36 Months

2.13%

 2.15%

36

Certificate IRA 36 Months

2.18%

 2.20%

36

Certificate IRA 36 Months

2.23%

 2.25%

36

Certificate IRA 60 Months

2.48%

 2.50%

60

Certificate IRA 60 Months

2.53%

 2.55%

60

Certificate IRA 60 Months

2.58%

 2.60%

60

Certificate IRA 60 Months

2.62%

 2.65%

60

(1) APY is the Annual Percentage Yield effective June 28, 2010, and is subject to change. (2) Fees could reduce the earnings on the account. (3) $2,500 minimum daily account balance required to earn posted APY. (4) $1000 minimum deposit.  (5)  Certain limits on electronic debits apply.  See a Financial Solutions Consultant for further details.  All rates are Annual Percentage Yield effective June 28, 2010 and are subject to change. A penalty will or may be imposed for early withdrawal.

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Share Certificates

3 Month Term

Rate

 APY

 

$1,000

 0.55%

 0.55%

 

$10,000

 0.55%

 0.55%

 

$50,000

 0.55%

 0.55%

 

$100,000

 0.55%

 0.55%

 

6 Month Term

 Rate

APY 

 

$1,000

 1.15%

 1.15%

 

$10,000

 1.15%

 1.15%

 

$50,000

 1.15%

 1.15%

 

$100,000

 1.20%

 1.20%

 

12 Month Term

 Rate

 APY

 

$1,000

 1.34%

 1.35%

 

$10,000

 1.39%

 1.40%

 

$50,000

 1.49%

 1.50%

 

$100,000

 1.64%

 1.65%

 

24 Month Term

 Rate APY   

$1,000

 1.59%

 1.60%

 

$10,000  1.64%  1.65%

 

$50,000  1.74%  1.75%

 

$100,000  1.84%  1.85%

 

36 Month Term

 Rate

APY

 

$1,000

 1.74%

 1.75%

 

$10,000  1.79%  1.80%

 

$50,000   1.89%  1.90%

 

$100,000  1.99%  2.00%

 

48 Month Term

 Rate

 APY

 

$1,000

 1.99% 

 2.00%

 

$10,000  2.03%  2.05%

 

$50,000  2.08%  2.10%  
$100,000  2.23%  2.25%  

60 Month Term

 Rate

APY 

 

$1,000

 2.18% 

 2.20%  
$10,000  2.23%  2.25%  
$50,000  2.28%  2.30%  
$100,000  2.43%  2.45%  

Funeral

 Rate

APY 

 

Same as 60 Month Term

 2.18%

 2.20%  

All rates are Annual Percentage Yield effective June 28, 2010 and are subject to change. A penalty will or may be imposed for early withdrawal.

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