Loan Rates
Auto Rates
Effective Date: Wednesday, September 16th, 2026
| Loan Type | Year/Amount | Term | *APR |
|---|---|---|---|
| Automobiles | 2021 - 2027 | up to 48 months | as low as *4.44% |
| Automobiles | 2021 - 2027 | 49 - 60 months | as low as *4.69% |
| Automobiles | 2021 - 2027 | 61 - 72 months | as low as *4.94% |
| Automobiles | 2024 - 2027 | 73 - 84 months | as low as *5.19% |
| Automobiles | 2020 & older | up to 48 months | as low as *5.09% |
| Automobiles | 2020 & older | 49 - 60 months | as low as *5.24% |
| Motorcycles/Motorhomes Travel Trailers/5th Wheels/Boats | 2026 - 2027 | 84 months | as low as *5.74% |
| Motorcycles/Motorhomes Travel Trailers/5th Wheels/Boats | 2026 - 2027 | 85 - 180 months | as low as *5.99% |
| Motorcycles/Motorhomes Travel Trailers/5th Wheels/Boats | 2022 - 2025 | 48 - 180 months | as low as *6.74% |
| Motorcycles/Motorhomes Travel Trailers/5th Wheels/Boats | 2022-2025 | 181-240 months | as low as *6.99% |
| Motorcycles/Motorhomes Travel Trailers/5th Wheels/Boats | 2021 & older | 48 - 180 months | as low as *6.99% |
| Jet Ski/ATV/Snowmobile | as low as *5.99% New - *6.75% Used | ||
| *APR = Annual Percentage Rate. APR may be higher based on members credit qualifications and loan type. | |||
VISA Rates
Effective Date: Wednesday, September 16th, 2026
| Loan Type | Amount | Term | *APR |
|---|---|---|---|
| VISA Classic | $15,000 max per member | 25 day grace and NO annual fee | 12.84% |
| VISA Gold | $25,000 max per member | 25 day grace and NO annual fee | 9.50% |
| Junior Visa | $500 Max Limit | 25 day grace and NO annual fee | 12.84% |
| *APR = Annual Percentage Rate. APR may be higher based on members credit qualifications and loan type. | |||
Home Loan Rates
Effective Date: Wednesday, September 16th, 2026
| Loan Type | Year/Amount | Term | *APR |
|---|---|---|---|
| Home Equity | Call Us | Line of Credit - Payments calculated at $100 per $10,000 | 6.75%* |
| 1st Mortgage | 80% of appraised value | 15-year fixed rate | 5.98%* |
| 2nd Mortgage | Call Us | 15-year fixed rate | 7.25%* |
| 3 yr ARM | Call Us | Variable | 5.41%* |
| 5 yr ARM | Call Us | Variable | 5.48%* |
| *APR = Annual Percentage Rate. APR may be higher based on members credit qualifications and loan type. | |||
Other Rates
Effective Date: Wednesday, September 16th, 2026
| Loan Type | Year/Amount | *APR |
|---|---|---|
| Line of Credit | $5,000 per member | as low as *8.49% |
| Certificate Secured Loan | CD Rate + 1.50% | |
| Share Secured Loan | 1.50% | |
| Home Improvement Loan | up to $30,000 per signature | *8.99% |
| max. of 120 months | ||
| Personal Loan | Up to $10,000.00 | |
| 12 - 36 months | as low as *6.99% | |
| 37 - 60 months | as low as *7.99% | |
| 61 - 120 months | as low as *8.99% | |
| Personal Loan | Up to $20,000.00 | |
| 12 - 36 months | as low as *7.99% | |
| 37 - 60 months | as low as *8.99% | |
| 61 - 120 months | as low as *9.99% | |
| *APR = Annual Percentage Rate. APR may be higher based on members credit qualifications and loan type. | ||
Share Rates
Shares
Effective Date: Wednesday, September 16th, 2026
| Amount | *APR | **APY |
|---|---|---|
| $5.00 - $4,999 | 0.03% | 0.03% |
| $5,000 and over | 0.05% | 0.05% |
| *APR = Annual Percentage Rate. **APY = Annual Percentage Yield. Amount Includes Young Investors and Christmas Club Accounts. Rates paid for last quarter dividend. Rates are not guaranteed for future periods. | ||
Share Certificates
Effective Date: Wednesday, September 16th, 2026
| Term | Minimum Deposit | *APR | **APY |
|---|---|---|---|
| 6 Months | $1,000.00 | 1.00% | 1.00% |
| 12 Months | $1,000.00 | 1.10% | 1.10% |
| 18 Months | $1,000.00 | 4.10% | 4.10% |
| 24 Months | $1,000.00 | 1.20% | 1.20% |
| 36 Months | $1,000.00 | 1.30% | 1.30% |
| 48 Months | $1,000.00 | 1.45% | 1.45% |
| 60 Months | $1,000.00 | 1.55% | 1.55% |
| **APR = Annual Percentage Rate. **APY = Annual Percentage Yield. | |||
IRA Shares
Effective Date: Wednesday, September 16th, 2026
| Amount | *APR | **APY |
|---|---|---|
| $0 - $24,999 | 0.15% | 0.15% |
| $25,000 and over | 0.25% | 0.25% |
| **APR = Annual Percentage Rate. **APY = Annual Percentage Yield. Rates paid for last quarter dividend. Rates are not guaranteed for future periods | ||