Loan Rates

Auto Rates
Effective Date: Saturday, December 3rd, 2022
Loan TypeYear/AmountTerm*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: Saturday, December 3rd, 2022
Loan TypeAmountTerm*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: Saturday, December 3rd, 2022
Loan TypeYear/AmountTerm*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: Saturday, December 3rd, 2022
Loan TypeYear/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: Saturday, December 3rd, 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: Saturday, December 3rd, 2022
TermMinimum 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: Saturday, December 3rd, 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

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