Interest Rates

 

Auto Loan

AUTO LOAN RATES ¹
TYPE TERM APR* (as low as)
New Auto up to 36 months 1.99%
Model Years 2021 – 2022 up to 48 months 2.49%
7,500 miles or less up to 60 months 3.24%
  up to 72 months 3.99%
  up to 84 months 4.74%
Used Auto up to 36 months 2.49%
Model Years 2017 – 2021 up to 48 months 3.49%

(earlier years will be processed at personal loan rates)

up to 60 months 4.99%
  up to 66 months 5.75%
*APR=Annual Percentage Rate. ¹Rates are based on an evaluation of applicant credit.  Rates subject to change without notice

Personal Loan

PERSONAL LOAN RATES ¹
TYPE TERM APR*(as low as)
Personal/Signature Loan  up to 36 months 9.99%
  up to 48 months 10.50%
  up to 60 months 11.50%
  up to 66 months 12.25%
     
     
     
*APR=Annual Percentage Rate. ¹Rates are based on an evaluation of applicant credit. Rates subject to change without notice

Secured Loan

SECURED LOANS¹
TYPE TERM APR*(as low as)
Share Secured up to 72 months 3.75%
  up to 144 months 5.00%
Certificate Secured – Contact savings Dept. for details    

*APR=Annual Percentage Rate. ¹Rates are based on an evaluation of applicant credit. 

Rates subject to change without notice

Visa Platinum

VISA PLATINUM CREDIT CARD¹
TYPE TERM APR*
VISA Platinum Credit Card N/A As low as 8.90% – new purchases; As low as 11.90% – cash advances

*APR=Annual Percentage Rate. ¹Rates are based on an evaluation of applicant credit.

Rates subject to change without notice

 

2nd Mortgages & HELOC


2nd MORTGAGES & HOME EQUITY LINE OF CREDIT

HOME EQUITY LINE OF CREDIT
TERM APR* APR*
1 – 15 years Prime (4.75% Min.) 4.75%
*APR=Annual Percentage Rate. 
HOME EQUITY LOAN – 80% LTV
TERM APR*
5 years 1st Lien 3.75%
10 years 1st Lien 4.25%
15 years 1st Lien 4.50%
20 years 1st Lien 4.75%
*APR=Annual Percentage Rate.
HOME EQUITY LOAN – 81-85% LTV
TERM APR*
5 years 1st Lien 3.99%
10 years 1st Lien 4.50%
15 years 1st Lien 4.75%
20 years 1st Lien 4.99%
*APR=Annual Percentage Rate. 

Savings


SAVINGS RATES

SAVINGS
TYPE RATE APY*
Share Savings Account 0.02% 0.02%
Club Accounts 0.02% 0.02%
IRA Share Savings Account (Traditional or Roth) 0.02% 0.02%
*APY = Annual Percentage Yield. Dividends declared by the Board of Directors are paid at the close of business on the last day of the quarter.

Certificates


CERTIFICATE RATES 

CERTIFICATES & IRA CERTIFICATES
TERM RATE APY*
6 Month $500 min. 0.03% 0.03%
12 Month $500 min. 0.05% 0.05%
18 Month $500 min. 0.08% 0.08%
24 Month $500 min. 0.08% 0.08%
30 Month $500 min. 0.08% 0.08%
36 Month $500 min. 0.10% 0.10%
60 Month $500 min. 0.12% 0.12%
IRA 12 Month $500 min. 0.05% 0.05%
IRA 30 Month $500 min. 0.08% 0.08%
*APY = Annual Percentage Yield. All rates above are subject to change without notice. A penalty will be imposed for early withdrawal.