Loan Rates
Auto Rates
Effective Date: Wednesday, November 30th, 2022
| Loan Type | Year/Amount | Term | *APR |
|---|---|---|---|
| Automobiles | 2017 - 2023 | up to 48 months | as low as *2.99% |
| Automobiles | 2017 - 2023 | 49 - 60 months | as low as *3.49% |
| Automobiles | 2017 - 2023 | 61 - 72 months | as low as *3.99% |
| Automobiles | 2020 - 2023 | 73 - 84 months | as low as *4.49% |
| Automobiles | 2016 & older | up to 48 months | as low as *4.99% |
| Automobiles | 2016 & older | 49 - 60 months | as low as *5.25% |
| Motorcycles/Motorhomes Travel Trailers/5th Wheels/Boats | 2022 - 2023 | 84 months | as low as *4.49% |
| Motorcycles/Motorhomes Travel Trailers/5th Wheels/Boats | 2022 - 2023 | 85 - 180 months | as low as *4.74% |
| Motorcycles/Motorhomes Travel Trailers/5th Wheels/Boats | 2018 - 2021 | 48 - 180 months | as low as *5.49% |
| Motorcycles/Motorhomes Travel Trailers/5th Wheels/Boats | 2017 & older | 48 - 180 months | as low as *5.74% |
| Jet Ski/ATV/Snowmobile | as low as *4.50% New - *5.25% Used | ||
| *APR = Annual Percentage Rate. APR may be higher based on members credit qualifications and loan type. | |||
VISA Rates
Effective Date: Wednesday, November 30th, 2022
| Loan Type | Amount | Term | *APR |
|---|---|---|---|
| VISA Classic | $6,000 max per member | 25 day grace and NO annual fee | 12.84% |
| VISA Gold | $12,000 max per member | 25 day grace and NO annual fee | 9.50% |
| *APR = Annual Percentage Rate. APR may be higher based on members credit qualifications and loan type. | |||
Home Loan Rates
Effective Date: Wednesday, November 30th, 2022
| Loan Type | Year/Amount | Term | *APR |
|---|---|---|---|
| Home Equity | Call Us | Line of Credit - Payments calculated at $100 per $10,000 | Call Us |
| Home Improvement | $15,000 per signature | max 120 months | 8.99% |
| 1st Mortgage | 80% of appraised value | 15-year fixed rate | Call Us |
| 2nd Mortgage | Call Us | 15-year fixed rate | Call Us |
| 3 yr ARM | Call Us | Variable | Call Us |
| 5 yr ARM | Call Us | Variable | Call Us |
| *APR = Annual Percentage Rate. APR may be higher based on members credit qualifications and loan type. | |||
Other Rates
Effective Date: Wednesday, November 30th, 2022
| Loan Type | Year/Amount | *APR |
|---|---|---|
| Line of Credit | $3,500 per member | as low as *8.49% |
| Certificate Secured Loan | CD Rate +3% | |
| Share Secured Loan | 1.50% | |
| Personal Loan | Up to $5,000.00 | |
| 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 $10,000.00 | |
| 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, November 30th, 2022
| 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, November 30th, 2022
| Term | Minimum Deposit | *APR | **APY |
|---|---|---|---|
| 6 Months | $1,000.00 | 0.25% | 0.25% |
| 12 Months | $1,000.00 | 0.35% | 0.35% |
| 24 Months | $1,000.00 | 0.45% | 0.45% |
| 36 Months | $1,000.00 | 0.55% | 0.55% |
| 48 Months | $1,000.00 | 0.70% | 0.70% |
| 60 Months | $1,000.00 | 0.80% | 0.80% |
| **APR = Annual Percentage Rate. **APY = Annual Percentage Yield. | |||
IRA Shares
Effective Date: Wednesday, November 30th, 2022
| 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 | ||