Rates & Fees
Share Savings
| APR (Annual Percentage Rate) | APY (Annual Percentage Yield) |
|---|
| Regular Shares | 0.100% | 0.100% |
| Christmas Club | 0.100% | 0.100% |
| Sub Account | 0.100% | 0.100% |
Share Checking
| APR | APY | Monthly Service Charge | Min Balance to AVOID Monthly Service Charge |
|---|
| Regular Checking | N/A | N/A | $3.00 | $250 |
| Interest Bearing | 0.020% | 0.020% | $5.00 | $500 |
| Money Market | APR | APY | Monthly Service Charge | Min Balance to AVOID Monthly Service Charge |
|---|
| $0 - $9,999 | 0.020% | 0.020% | $10.00 | $1,000 |
| $10,000 - $24,999 | 0.050% | 0.050% | | |
| $25,000 - $74,999 | 0.080% | 0.080% | | |
| $75,000 + | 0.100% | 0.100% | | |
Share Certificates
| APR | APY |
|---|
| 3 month | 0.40% | 0.401%
|
| 6 month | 0.60% | 0.602% |
| 12 month | 0.85% | 0.854% |
| 18 month | 1.00%
| 1.050% |
| 24 month | 1.25% | 1.258% |
| *CD Special limited time 6 mo | 3.25% | 3.25% |
| *NEW MONEY ONLY | | |
Loans*
*All Loan Rates & Terms Subject To Credit Approval. Your rate may be higher. Rates are for new loans coming in to Citco.
New Autos
| APR | Term |
|---|
| 2019-2023 | 4.25% | 60 months |
| 4.99% | 72 months |
Used Autos
| APR | Term |
|---|
| 2013-2018 | 4.50% | 60 months/ 72 months @ 5.50% |
| 2008-2012 | 4.75% | 60 months |
| 2002-2007 | 5.50% | 48 months |
| 2001 & Older | 4.90% | up to 48 months |
Recreational Vehicles
Motorcycles, ATV's & Snowmachines:
| APR | Term |
|---|
| 2019-2023 | 5.25% | 60 months |
| 2013-2018 | 5.75% | 60 months |
| 2008-2012 | 6.25% | 48 months |
| 2007 & Older | 6.90% | up to 48 months |
Boats & Trailers:
| | APR | Term |
|---|
| 2019-2023 | 6.90% | 60 months |
| 2013-2018 | 7.25% | 60 months |
| 2008-2012 | 7.50% | 48 months |
| 2007 & Older | 7.90% | up to 48 months |
Campers, Motorhomes & 5th Wheels
| APR | Term |
|---|
| 2019-2023 | 6.90% | 84 months |
| 2013-2018 | 7.25% | 72 months |
| 2008-2012 | 7.75% | 60 months |
| 2007 & Older | 7.90% | 48 months |
| APR |
|---|
| Unsecured | as low as 9.9% |
| Overdraft Protection | 18.00% |
| Share Secured | 2.90% |