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Consumer loan interest rates are disclosed as ranges. Your final rate is based on your application and credit history. All loans are subject to application and processing fees. Share and savings rates are disclosed as Annual Percentage Yield (APY). Stop by our office for more rates and details.
Loan Rates - effective May 6, 2008
  Loan Rate Range - APR* Collateral
  New Vehicles
as low as 5.50%
2007 or newer
  Used Vehicles
as low as 7.00%
2006 and older
  Share Secured
3.00% - 7.15%
Share Savings
  Unsecured
10.00% - 13.00%
Signature
  Real Estate
6.00% - 9.25%
  Agriculture Operating
6.25% - 9.75%
Chattels
  Ag Market Hedge
as low as 6.25%
Chattels
  Ag Equipment - New
as low as 6.00%
  Ag Chattels
6.00% - 9.75%
  New Recreation
as low as 5.50%
  Used Recreation
as low as 6.00%
 
*APR -- Annual Percentage Rate
Note: Above interest rates may vary by the term of the loan as well as applicant's credit worthiness and are subject to change quarterly.
  calculator
Share Savings Accounts - effective June 24, 2008
  Account
Rate
APY
Minimum Balance
  Share Savings (S1)
1.75%
1.76%
$5.00
  Super Share Savings (S2)
1.50%
1.51%
$2,000 and over
  Daily Savings (S3)
1.00%
1.00%
$5.00
  Christmas Club
TBD
TBD
rate set October 1
  IRA's
3.00%

3.03

 
  Share Draft (S80)
0.00%
0.00%
$0.00 - 199.99
  Share Draft (S80)
0.75%
0.75%
$200 and over
  calculator
Certificates of Deposit - effective August 25, 2008
  Term
Rate
APY
Minimum Balance
  3 Months (I3)
2.15%
$1000
  6 Months (I6)
2.50%
$500
  12 Months (I2)
3.10%
3.14%
$500
*APY means a percentage rate reflecting the total amount of dividends/interest paid on an account based on the dividends/interest rate and the frequency of compounding for a 365 day period . Certificate and IRA rates are fixed for the term of the instrument, unless otherwise disclosed. Deposits are federally insured by the NCUA up to at least $100,000, and IRA funds are separately insured to $250,000.
  Click here to see how your investment can grow calculator
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  Locations & Hours
 

Kulm Office
17 South Main / PO Box 310
Kulm, ND 58456
647-2448 - 647-2449 FAX
1-877-304-0035
Monday-Friday 8:00-5:00
24 hour depository

email us

Click for Kulm, North Dakota Forecast

Ashley Office
106 East Main / PO Box 230
Ashley, ND 58413
288-3439 - 288-3430 FAX
1-877-588-3439
Monday-Friday 8:30-4:30
24 hour depository

email us

Click for Ashley, North Dakota Forecast

Hazelton Office
341 Main / PO Box 225
Hazelton, ND 58544
782-6841 - 782 6831 FAX
1-866-782-6841
Monday-Friday 8:30-4:30
24 hour depository

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Click for Hazelton, North Dakota Forecast

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page last updated August 22, 2008

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