Rates quoted as Annual Percentage Rates (APR). All consumer loans are calculated on a simple interest basis. Rates published are base rates that apply in most cases. Due to our various discount and risk-based lending programs, your rate may vary.
Credit Life & Credit Disability Insurance is available to qualified members for a low fee.
Loan Rates As of March 20th, 2020
Vehicle Loans of All Kinds
Automobiles, Boats, Trailers, & RVs (For Motorcycles, Please add 4.00% to APR)
.25% APR discount with Auto Pay service
| Vehicle Loans | Annual Percentage Rates (APR) as LOW as | |
|---|---|---|
| Loan Term | NEW | USED |
| 3.04% | 3.34% |
.25% APR discount with Auto Pay service
| RV’s New/Used | Annual Percentage Rates (APR) as LOW as | |
|---|---|---|
| Loan Term | NEW | USED |
| 3.99% | 4.49% |
| MasterCard® Credit Cards | No Annual Fees | No Balance Transfer Fees |
|---|---|
| Platinum MasterCard® | 8.90% |
| Classic MasterCard® | 13.90% |
| Share-Secured MasterCard® | 13.90% |
Member’s approved credit card/rate is based on applicants’ qualification. For more information about Credit Reports and your rights under federal law visit the Consumer Financial Protection Bureau website
Personal Loans & Lines of Credit
.25% APR discount with Auto Pay service
| Personal Loans | No Annual Fees | No Balance Transfer Fees |
|---|---|
| Personal/Signature Loan | 8.00% |
| Overdraft Protection Line of Credit | 9.00% |
| Share Certificate Secured (Variable Rate) | 3% above current Certificate Rate |
| Share Secured Line of Credit (Variable Rate) | 3% above current Share Deposit Rate |
No annual and balance transfer fees. Member’s approved credit card/rate is based on applicants’ qualification.
| Mortgages & Home Loans | No Annual Fees | No Balance Transfer Fees | |
|---|---|---|
| Loan Term | ||
| Home Equity Loan
80% of homes value minus outstanding mortgage |
up to 20 yrs (As low as) | 5.50% (.25% deducted for Auto Draft) |
| Interim Construction Loans | ||
| Daily Mortgage Rates Loans | No Annual Fees | No Balance Transfer Fees | |
|---|---|---|
| Loan Term | ||
| Conventional 30 Yr. Fixed* | 30 years | Please Call |
| Conventional 15 Yr. Fixed* | 15 years | Please Call |
| Origination Fees | 1.00% |
* Rates are subject to change at any time until you apply for a loan and “lock in” a rate. Closing costs are comprised of fees from your lender, title company and/or closing agent, and various third parties including but not limited to local governments, surveyors, inspectors, and couriers.