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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 November 1, 2018
  Loan Type Rate Range APR*  
  Consumer Secured
4.75% - 12.75%
 
  Share Secured
as low as 2.50%
2% above, varies with share
  Consumer Unsecured
9.50% - 21.50%
 
  Overdraft Protection
15.00%
5 year expiration
  Residential - 1st Mortgage
5.62% / 5.87% / 6.12%
15 / 20 / 25 year fixed
  HELOC - 2nd Mortgage
5.62% / 6.62%
5 yr / 10 yr - 90% L/V
  Business & Ag Real Estate
5.22% - 8.22%
variable annually on anniversary
  Business & Ag Real Estate
5.62% - 8.62%
5 yr. fixed with Balloon payment
  Business & Ag Operating
5.00% - 8.00%
1 year term
  Ag Chattels
5.50% - 8.50%
variable annually November 1
  Business Equipment
5.50% - 8.50%
variable annually November 1
 

*APR - Annual Percentage Rate
Above interest rates may vary by the term of the loan as well as applicant's credit worthiness.
Business, Ag and RE loans are subject to change annually during the term of the loan.

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Share Savings Account Rates - for November 2018**
  Account
Rate
APY**
Minimum Balance
  Share Savings (S1)
0.70%
0.702%
>$5.00
  Super Share Savings (S2)
0.50%
0.501%
<$1,000.00
   
0.75%
0.753%
$1,000.00 - $9,999.99
   
1.00%
1.005%
$10,000.00 - $99,999.99
   
1.25%
1.257%
>$100,000.00
  Youth Share Savings (S3)
(ages 21 yrs. & younger)
1.25%
1.256%
ages 21 and under only
  Christmas Club (S5)
2.00%
2.015%
$5,000 maximum
automatically transfers into S1 account on November 1st
  IRA - Traditional (S7)
3.00%

2.784%

 
  IRA - Roth (S8)
3.00%

2.784%

 
  HSA Draft (S70)
0.70%
0.702%
 
  Share Draft (S80)
0.40%
0.401%
>$5.00
  **Share Savings interest rates are declared at the start of each month. They are based on the cooperative's earnings and apply to the dividends that are paid for the current month.
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Certificate of Deposit - effective November 1, 2018
  Account Rate Apy***  Minimum Early Withdrawal Penalty
3 months
1.20%
1.21%
$1,000
90 days dividends
6 months
1.60%
1.61%
$1,000
90 days dividends
Special
9 months
2.25%
2.26%
$1,000
90 days dividends
12 months
1.90%
1.91%
$1,000
90 days dividends
  12 month Youth
(ages 21 yrs & younger)
2.50%
2.52%
$500-
90 days dividends
15 months
2.00%
2.02%
$1,000
90 days dividends
Special
18 months
2.75%
2.78%
$1,000
90 days dividends
21 months
2.10%
2.12%
$1000
90 days dividends
  24 months
2.20%
2.22%
$1,000
182 days dividends
30 months
2.30%
2.32%
$1,000
90 days dividends
Special
36 months Bump-Up
3.05%
1-time rate bump-up to 3 yr. US Treasury Rate + 0.15%
3.08%
$1,000
182 days dividends
  48 months
2.50%
2.52%
$1,000
365 days dividends
60 Month
2.70%
2.73%
$1,000
365 days dividends
65 months
2.75%
2.78%
$1,000
365 days dividends
  72 months
2.80%
2.83%
$1,000
365 days dividends
***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.

All Deposits are federally insured by the NCUA up to at least $250,000. IRA funds are separately insured to $250,000.
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  Locations & Hours
 

Kulm Office
18 South Main / PO Box 310
Kulm, ND 58456
647-2448 - 647-2449 FAX
877-304-0035
Monday-Friday 8am-5pm
24 hour ATM & depository

email us

Ashley Office
102 East Main / PO Box 230
Ashley, ND 58413
288-3439 - 288-3430 FAX
877-588-3439

Lobby: M-F 8am-5pm
Drive Up:
M-F 7am-5pm
24 hour ATM & depository

email us

Hazelton Office
341 Main / PO Box 225
Hazelton, ND 58544
782-6841 - 782-6831 FAX
866-782-6841
Monday-Friday 8am-5pm
24 hour ATM & depository

email us

Lincoln Office
109 N. McDougall Drive
Lincoln, ND 58504
751-1613 - 751-3224 FAX
877-304-0035
Lobby: M-F 8am-5pm
Drive up: M-F 7am-7pm
Saturday:
8am-12noon
24 hour ATM & depository

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Accounts On-Line | Home | About Us | Loans | Rates | Fees | FAQs | Privacy | Resources > | Links | Site Map
page last updated November 12, 2018

NCUA
Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government Agency
Equal Housing Lender
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