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 January 3rd, 2022
Vehicle Loans of All Kinds
Automobiles, Boats, Trailers, & RVs (For Motorcycles, Please add 2.00% to APR)
.25% APR discount with Auto Pay service
| Vehicle Loans | Annual Percentage Rates (APR) as LOW as | |
|---|---|---|
| Loan Term | NEW | USED |
| 2.49% | 2.79% |
.25% APR discount with Auto Pay service
| RV’s New/Used | Annual Percentage Rates (APR) as LOW as | |
|---|---|---|
| Loan Term | NEW | USED |
| 4.49% | 4.99% |
| 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
.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 | Loan Term | No Annual Fees | No Balance Transfer Fees |
|---|---|---|
| Home Equity Loan
80% of homes value minus outstanding mortgage |
up to 20 yrs (As low as) | 3.60% (with Auto Draft) |
| Daily Mortgage Rates Loans | Loan Term | No Annual Fees | No Balance Transfer Fees |
|---|---|---|
| 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.