Rates

CD + IRA Rates

 

Rates are effective as of

Type of Account*Min DepositMinimum Balance to Earn Annual Percentage YieldInterest RateAPY^Special?Website OrderLast Modified
6 Month Penalty-Free CD + IRA $500$5004.02%4.10%Yes0November 27, 2023
6 Month CD & IRA Special$500$5004.41%4.50%Yes20January 10, 2024
1 Year CD & IRA Special$500$5003.93%4.00%Yes30January 10, 2024
2 Year CD & IRA Special$500$5003.69%3.75%Yes40January 10, 2024
6 Month CD & IRA$500$5000.20%0.20%No50September 12, 2022
1 Year CD & IRA$500$5000.35%0.35%No60February 10, 2024
1.5 Year CD & IRA$500$5000.30%0.30%No70September 12, 2022
2 Year CD & IRA$500$5000.40%0.40%No80January 4, 2024
2.5 Year CD & IRA$500$5000.45%0.45%No85September 12, 2022
3 Year CD & IRA$500$5000.55%0.55%No90January 26, 2021
4 Year CD & IRA$500$5000.65%0.65%No100January 26, 2021
5 Year CD & IRA$500$5000.75%0.75%No110January 26, 2021
IRA Money Market$500$ 25- $24,999.10%.10%No120December 14, 2020
IRA Money Market$500$25,000 - $49,0000.15%0.15%No130December 14, 2020
IRA Money Market$500$50,000 - $99,9990.25%0.25%No140December 14, 2020
IRA Money Market$500$100,000 - $199,9990.30%0.30%No150December 14, 2020
IRA Money Market$500$200,000 & over0.35%0.35%No160December 14, 2020

A penalty will be imposed for early withdrawal
^Annual Percentage Yield, which assumes the interest will remain on deposit until maturity

Savings Rates

 

Rates are effective as of

Type of Account*Minimum to OpenMinimum Balance to Earn Annual Percentage YieldInterest RateAPY^Website OrderLast Modified
Money Market*$2,500$25,000 - $49,9990.10%0.10%10October 1, 2021
Money Market*$2,500$50,000 - $99,9990.15%0.15%20October 1, 2021
Money Market*$2,500$100,000 & over0.20%0.20%30October 1, 2021
Money Market Complete*$2,500$25 - $24,9990.10%0.10%40February 17, 2023
Money Market Complete*$2,500$25,000 - $49,9990.15%0.15%50February 17, 2023
Money Market Complete*$2,500$50,000 - $99,9990.25%0.25%60February 17, 2023
Money Market Complete*$2,500$100,000 - $199,9992.23%2.25%70October 2, 2023
Money Market Complete*$2,500$200,000 & over2.23%2.25%80October 2, 2023
Money Market Complete*$2,500$500,000 & over2.96%3.00%90October 2, 2023
Christmas Club$1$1 - $5,2000.40% 0.40%90February 10, 2024
Christmas Club$1$5,200.01 & over0%0%95October 20, 2022
Passbook/Statement Savings*$25$25 - $2,4990.05%0.05%100December 14, 2020
Passbook/Statement Savings*$25$2,500 - $24,9990.10%0.10%110December 14, 2020
Passbook/Statement Savings*$25$25,000 - $149,9990.10%0.10%120December 14, 2020
Passbook/Statement Savings*$25$150,000 & over0.15%0.15%130December 14, 2020
Health Savings Account*$25$25 - $4,9990.35%0.35%140January 4, 2024
Health Savings Account*$25$5,000 - $9,9990.50%0.50%150October 26, 2022
Health Savings Account*$25$10,000 & over0.75%0.75%160October 20, 2022

This is a variable rate account. Rates may change after the account is opened. Rates are subject to change daily. Fees could reduce earnings.
Annual Percentage Yield

Checking Rates

 

Rates are effective as of

Type of AccountMinimum to OpenMinimum Balance to Earn Annual Percentage YieldInterest RateAPY^Website OrderLast Modified
Click Connect$25.00N/AN/AN/A10October 20, 2022
Classic Connect*$25.00N/AN/AN/A20October 20, 2022
Choice Connect*$25.00$100 - $4990.15%0.15%30February 10, 2024
Choice Connect*$25.00$500 - $2,4990.25%0.25%40January 4, 2024
Choice Connect*$25.00$2,500 - $4,9990.35%0.35%50October 20, 2022
Choice Connect*$25.00$5,000 - $14,999.990.40%0.40%60September 26, 2023
Choice Connect*$25.00$15,000 +0.50%0.50%70October 26, 2022
Non-Profit N.O.W. Checking*$25.00$25 & Over0.10%0.10%80October 20, 2022

This is a variable rate account. Rates may change after the account is opened. Rates are subject to change daily. Fees could reduce earnings.
Annual Percentage Yield

Personal Loans

 

Rates are effective as of

LoanDescriptionTypeRateAPR^Website OrderLast Modified
PersonalUnsecuredFixed18.000%24.920%10February 10, 2024

Annual Percentage Rate

Rates based on automatic payment withdrawal from an Auburn Savings deposit account. If automatic payment withdrawal is discontinued, the rate may increase by 1/4%.

Auto Loans

Rates are effective as of

LoanTermPaymentsTypeRateMonthly Payment*PointsAPR^Website OrderLast Modified
2021 and newer7 Yr84Fixed7.500%$15.3407.766%10October 24, 2023
2020 and newer6 Yr72Fixed7.375%$17.2307.680%20October 24, 2023
2018 and newer5 Yr60Fixed6.500%$19.5706.857%30October 24, 2023
2016 and newer4 Yr48Fixed6.625%$23.7707.065%40October 24, 2023
2015 and older3 Yr36Fixed7.500%$31.1108.079%50February 10, 2024

Per $1000 borrowed
Annual Percentage Rate

Rates based on automatic payment withdrawal from an Auburn Savings deposit account. If automatic payment withdrawal is discontinued, the rate may increase by 1/4%. Rates are subject to change without notice. Consult a tax advisor regarding the deductibility of interest.

Recreational Vehicle Loans – ATV, Snowmobile, Tractor, Jet Ski

Rates are effective as of

Loan Type+TermTypeMinimum Loan AmountRate**APR^Minimum Down PaymentMonthly Payment Per Minimum Loan Amount*Number of PaymentsLast Modified
Used - Maximum Age: 6 Model Years5 YrFixed$35,0009.250%9.354%0$730.8060February 15, 2024
Used - Maximum Age: 5 Model Years4 YrFixed$25,0008.500%8.678%0$616.2148February 15, 2024
Used - Maximum Age: 4 Model Years3 YrFixed$10,0007.500%8.079%0$311.0636February 15, 2024
Used - Maximum Age: 3 Model Years 2 YrFixed$5,0008.000%9.706%0$226.1424February 15, 2024
New6 YrFixed$35,0008.750%8.838%0$626.5672February 15, 2024
New5 YrFixed$25,0008.000%8.144%0$506.9160February 15, 2024
New4 YrFixed$10,0007.125%7.567%0$240.0448February 15, 2024
New3 YrFixed$5,0007.250%8.414%0$154.9636February 15, 2024

Annual Percentage Rate
Payment is calculated based on the minimum loan amount required per term
** Rates based on automatic payment withdrawal from an Auburn Savings deposit account. If automatic payment withdrawal is discontinued, the rate may increase by 0.25%.
+ Each Loan Type is subject to credit approval

Recreational Vehicle Loans – Boats, RVs

Rates are effective as of

Loan Type+TermTypeMinimum Loan AmountRate**APR^Minimum Down PaymentMonthly Payment Per Minimum Loan Amount*Number of PaymentsLast Modified
Used - Maximum Age: 6 Model Years5 YrFixed$35,0009.250%9.354%0$730.8060February 15, 2024
Used - Maximum Age: 5 Model Years4 YrFixed$25,0008.500%8.678%0$616.2148February 15, 2024
Used - Maximum Age: 4 Model Years3 YrFixed$10,0007.500%8.079%0$311.0636February 15, 2024
Used - Maximum Age: 3 Model Years 2 YrFixed$5,0008.000%9.706%0$226.1424February 15, 2024
New6 YrFixed$35,0008.750%8.838%0$626.5672February 15, 2024
New5 YrFixed$25,0008.000%8.144%0$506.9160February 15, 2024
New4 YrFixed$10,0007.125%7.567%0$240.0448February 15, 2024
New3 YrFixed$5,0007.250%8.414%0$154.9636February 15, 2024

Annual Percentage Rate
Payment is calculated based on the minimum loan amount required per term
** Rates based on automatic payment withdrawal from an Auburn Savings deposit account. If automatic payment withdrawal is discontinued, the rate may increase by 0.25%.
+ Each Loan Type is subject to credit approval

Mobile Home Loans

 

Rates are effective as of

LoanTermTypeRateMonthly Payment*PointsAPR^Website OrderLast Modified
Mobile Home20 YrFixed7.250%$7.9007.451%10February 10, 2024

Per $1000 borrowed
Annual Percentage Rate

Rates based on automatic payment withdrawal from an Auburn Savings deposit account. If automatic payment withdrawal is discontinued, the rate may increase by 1/4%. The ‘Monthly payment per $1,000 borrowed’ figures quoted above do not include amounts for taxes and insurance premiums, if applicable, and the actual payment obligation will be greater. Rates are subject to change without notice. Consult a tax advisor regarding the deductibility of interest.

Home Equity Loans

 

Rates are effective as of

LoanTermWebsite OrderTypeRateMonthly Payment*APR^Last Modified
Home Equity Loan5 Yr10Fixed7.375%$19.777.377%February 9, 2024
Home Equity Loan10 Yr20Fixed7.500%$11.877.501%February 9, 2024
Home Equity Loan15 Yr30Fixed7.625%$9.347.626%February 9, 2024
Home Equity Line of Credit**Open Ended40Adj.8.250%$5.008.250%January 10, 2024

Per $1000 borrowed
Annual Percentage Rate
**Home Equity Line of Credit: This is a variable rate loan, so the Annual Percentage Rate may vary. The maximum APR that can be imposed is 18%. Fees may be higher if appraisal is required. Rates are subject to change without notice. Consult a tax advisor regarding the deductibility of interest.

Rates based on automatic payment withdrawal from an Auburn Savings deposit account. If automatic payment withdrawal is discontinued, the rate may increase by 1/4%.

Property insurance is required.

Construction Loans

 

Rates are effective as of

Loan TypeTermTypeRateMonthly Payment*PointsAPR^Last Modified
Construction Mobile Home31 YearFixed8.375%$7.6009.421%February 9, 2024
Construction Only1 YearFixed8.375%$3.49020.417%January 10, 2024
Construction to Permanent31 YearFixed7.625%$7.0808.603%February 9, 2024
Construction to Permanent21 YearFixed7.500%$8.0608.736%February 9, 2024
Construction to Permanent16 YearFixed7.375%$9.2008.885%February 9, 2024
January 1, 1970

Per $1000 borrowed
Annual Percentage Rate

 
 

MORTGAGE + LAND LOANS

 

Rates are effective as of

Monthly Pmt*LoanTermTypeRateNumber of PmtsPoints#APR^Website OrderLast Modified
$8.44First Mortgage - Secondary Mkt15 YrFixed6.000%18006.240%10February 9, 2024
$7.24First Mortgage - Secondary Mkt20 YrFixed6.125%24006.317%20February 9, 2024
$6.16First Mortgage - Secondary Mkt30 YrFixed6.250%36006.396%30February 9, 2024
$9.13First Mortgage - Portfolio15 YrFixed7.250%18007.499%40February 9, 2024
$7.98First Mortgage - Portfolio20 YrFixed7.375% 24007.577%50February 9, 2024
$6.99First Mortgage - Portfolio30 YrFixed7.500%36007.657%60February 9, 2024
$9.34Land Loan Only 15 YrFixed7.625%18018.045%70December 7, 2023

Per $1000 borrowed
Annual Percentage Rate

Rates based on automatic payment withdrawal from an Auburn Savings deposit account. If automatic payment withdrawal is discontinued, the rate may increase by 1/4%. The ‘Monthly payment per $1,000 borrowed’ figures quoted above do not include amounts for taxes and insurance premiums, if applicable, and the actual payment obligation will be greater.

Rates are subject to change without notice

Consult a tax advisor regarding the deductibility of interest