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$5003.06%3.10%Yes0December 19, 2024
6 Month CD & IRA Special$500$5003.78%3.85%Yes20February 24, 2025
1 Year CD & IRA Special$500$5003.59%3.65%Yes30June 6, 2025
1.5 Year CD & IRA Special$500$5003.25%3.30%Yes40July 10, 2025
6 Month CD & IRA$500$5000.20%0.20%No50September 12, 2022
1 Year CD & IRA$500$5000.35%0.35%No60July 23, 2025
1.5 Year CD & IRA$500$5000.30%0.30%No70July 15, 2024
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%No90December 3, 2024
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 - $199,9991.39%1.40%70December 19, 2024
Money Market Complete*$2,500$200,000 & over1.39%1.40%80December 19, 2024
Money Market Complete*$2,500$500,000 & over2.13%2.15%90December 19, 2024
Christmas Club$1$1 - $5,2001.49% 1.50%90July 23, 2025
Christmas Club$1$5,200.01 & over1.49%1.50%95January 14, 2025
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 - $4,9992.22%2.25%140July 14, 2025
Health Savings Account*$25$5,000 - $9,9992.22%2.25%150July 16, 2025
Health Savings Account*$25$10,000 & over2.22%2.25%160December 18, 2024

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/A10May 9, 2024
Classic Connect*$25.00N/AN/AN/A20October 28, 2024
Choice Connect*$25.00$100 - $4990.15%0.15%30July 23, 2025
Choice Connect*$25.00$500 - $2,4990.25%0.25%40January 30, 2025
Choice Connect*$25.00$2,500 - $4,9990.35%0.35%50December 3, 2024
Choice Connect*$25.00$5,000 - $14,999.990.40%0.40%60July 10, 2025
Choice Connect*$25.00$15,000 +0.50%0.50%70July 14, 2025
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

Loan+DescriptionTypeRateAPR^Website OrderLast Modified
PersonalUnsecuredFixed18.000%24.920%10July 23, 2025

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%.

+Each loan type is subject to credit approval
 

Auto Loans

Rates are effective as of

Loan+TermPaymentsTypeRateMonthly Payment*PointsAPR^Website OrderLast Modified
2024 and newer7 Yr84Fixed6.500%$296.9906.631%10July 23, 2025
2023 and newer6 Yr72Fixed6.000%$331.4606.150%20July 23, 2025
2021 and newer5 Yr60Fixed5.750%$384.3405.927%30July 23, 2025
2019 and newer4 Yr48Fixed5.500%$465.1305.718%40July 23, 2025
2018 and older3 Yr36Fixed6.000%$608.4406.286%50July 23, 2025

Monthly payment based on a loan amount of $20,000
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.

+Each loan type is subject to credit approval
 

Mobile Home Loans

 

Rates are effective as of

Loan+TermTypeRateMonthly Payment*PointsAPR^Website OrderLast Modified
Mobile Home20 YrFixed7.500%$2,013.9807.580%10July 23, 2025

* Monthly payment based on a loan amount of $250,000
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 based on a loan amount of $250,000’ 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.

+Each loan type is subject to credit approval

Home Equity Loans

 

Rates are effective as of

Loan+TermWebsite OrderTypeRateMonthly Payment*APR^Last Modified
Home Equity Loan5 Yr10Fixed6.750%$1,968.356.752%July 16, 2025
Home Equity Loan10 Yr20Fixed6.750%$1,148.246.751%July 16, 2025
Home Equity Loan15 Yr30Fixed7.000%$898.837.001%July 16, 2025
Home Equity Line of Credit**Open Ended40Adj.7.250%Greater of $75.00 or Accrued Interest7.250%July 23, 2025

Monthly payment based on a loan amount of $100,000
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.

+Each loan type is subject to credit approval
 

Construction Loans

Rates are effective as of

Loan Type+TermTypeRateMonthly Payment*PointsAPR^Last Modified
Construction Mobile Home31 YearFixed7.375%$1,726.6907.970%July 23, 2025
Construction Only1 YearFixed7.375%$768.23011.849%July 14, 2025
Construction to Permanent31 YearFixed7.375%$1,726.6907.979%April 30, 2025
Construction to Permanent21 YearFixed7.175%$1,964.6007.934%July 10, 2025
Construction to Permanent16 YearFixed6.750%$2,212.2707.643%June 6, 2025
January 1, 1970

* Monthly payment based on a loan amount of $250,000
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 based on a loan amount of $250,000’ 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

+Each loan type is subject to credit approval

MORTGAGE + LAND LOANS

 

Rates are effective as of

Loan+TermTypeRateMonthly Pmt*Number of PmtsPoints#APR^Website OrderLast Modified
First Mortgage - Secondary Mkt15 YrFixed6.250%$2,143.5618006.346%10July 16, 2025
First Mortgage - Secondary Mkt20 YrFixed7.125%$1,957.0524007.204%20July 16, 2025
First Mortgage - Secondary Mkt30 YrFixed7.500%$1,748.0436007.562%30July 16, 2025
First Mortgage - Portfolio15 YrFixed6.875%$2,229.6418006.973%40July 14, 2025
First Mortgage - Portfolio20 YrFixed7.375% $1,994.9224007.455%50July 23, 2025
First Mortgage - Portfolio30 YrFixed7.750%$1,791.0336007.813%60July 16, 2025
Land Loan Only 15 YrFixed7.750%$941.2818018.171%70July 16, 2025
Investment Property 1-4 Family Secondary Market Eligible Only15 YrFixed7.250%$2,282.1618007.349%80July 16, 2025
Investment Property 1-4 Family Secondary Market Eligible Only20 YrFixed7.500%$2,013.9824007.580%90July 16, 2025
Investment Property 1-4 Family Secondary Market Eligible Only30 YrFixed8.000%$1,834.4136008.064%100July 16, 2025

Monthly payment based on a loan amount of $250,000
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 $250,000 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

+Each loan type is subject to credit approval
 

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

Rates are effective as of

Loan Type+Number of PaymentsMonthly Payment Per Minimum Loan Amount*Minimum Down PaymentAPR^Rate**Minimum Loan AmountTypeTermWebsite OrderLast Modified
New36$157.2609.420%8.250%$5,000Fixed3 Yr10July 14, 2025
New48$246.4808.946%8.500%$10,000Fixed4 Yr20July 16, 2025
New60$515.9308.895%8.750%$25,000Fixed5 Yr30July 14, 2025
New72$630.8909.088%9.000%$35,000Fixed6 Yr40August 27, 2024
Used - Maximum Age: 3 Model Years 60$718.0808.604%8.500%$35,000Fixed5 Yr50July 23, 2025
Used - Maximum Age: 4 Model Years48$622.1309.179%9.000%$25,000Fixed4 Yr60July 14, 2025
Used - Maximum Age: 5 Model Years36$319.1609.835%9.250%$10,000Fixed3 Yr70July 14, 2025
Used - Maximum Age: 6 Model Years24$228.42010.713%9.000%$5,000Fixed2 Yr80July 14, 2025

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+Number of PaymentsMonthly Payment Per Minimum Loan Amount*Minimum Down PaymentAPR^Rate**Minimum Loan AmountTypeTermWebsite OrderLast Modified
New48$244.1308.445%8.000%$10,000Fixed4 Yr1July 16, 2025
New60$305.9408.492%8.250%$15,000Fixed5 Yr5July 16, 2025
New72$444.4608.623%8.500%$25,000Fixed6 Yr10July 16, 2025
New84$558.6908.827%8.750%$35,000Fixed7 Yr15July 16, 2025
New120$633.3809.040%9.000%$50,000Fixed10 Yr20July 23, 2025
New180$668.9709.272%9.250%$65,000Fixed15 Yr25July 16, 2025
Used - Maximum Age: 5 Model Years72$1,155.5908.547%8.500%$65,000Fixed6 Yr30July 16, 2025
Used - Maximum Age: 6 Model Years60$722.3008.854%8.750%$35,000Fixed5 Yr35July 16, 2025
Used - Maximum Age: 7 Model Years48$373.2809.298%9.000%$15,000Fixed4 Yr40July 16, 2025
Used - Maximum Age: 10 Model Years36$319.1609.835%9.250%$10,000Fixed3 Yr45July 16, 2025

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

 

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