Interest Rates

Auto Loan

AUTO LOAN RATES ¹
TYPE TERM APR* (as low as)
New Auto up to 48 months 5.99%
Model Years 2024 up to 60 months 6.49%
7,500 miles or less up to 72 months 6.74%
Used Auto up to 48 months 6.74%
Model Years 2019 – 2023 up to 60 months 6.99%
  up to 72 months 7.49%
Model Years 2015 – 2018 up to 48 months 8.75%
**term to be determined during underwriting up to 60 months 9.00%
***other conditions may apply    
*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%
     
     
     
     
*APR=Annual Percentage Rate. ¹Rates are based on an evaluation of applicant credit. Rates subject to change without notice

Secured Loan

SECURED LOANS¹
TYPE
Share Secured – A share secured loan is one that uses the assets in a savings account as collateral for the loan. When you are approved for a secured loan, an amount in your savings account equal to the loan is frozen for the term of the loan. The money becomes available in your savings again as the loan is paid off.
 
Certificate Secured – Contact Loan Department for details.

2nd Mortgages & HELOC

2nd MORTGAGES & HOME EQUITY LINE OF CREDIT

HOME EQUITY LINE OF CREDIT
TERM APR* APR*

15 year Draw Period

15 year Repayment

Equal to WSJ Prime Rate

Currently at 8.50%

*Adjusted Quarterly

*APR=Annual Percentage Rate. 
HOME EQUITY LOAN – 80% LTV
TERM APR*
1-3 years 5.50%
4-5 years 6.00%
6-8 years 6.50%
9-10 years 6.75%
11-15 years 7.25%
16-20 years 7.75%
*APR=Annual Percentage Rate.
HOME EQUITY LOAN – 81-85% LTV
TERM APR*
1-3 years 6.50%
4-5 years 6.75%
6-8 years 7.25%
9-10 years 7.50%
10-15 years 8.00%
16-20 years 8.25%
*APR=Annual Percentage Rate. 

Savings


SAVINGS RATES

SAVINGS
TYPE RATE APY*
Share Savings Account 0.05% 0.05%
Club Accounts 0.02% 0.02%
IRA Share Savings Account (Traditional or Roth) 0.05% 0.05%
*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. Fees may reduce earnings.

Certificates


CERTIFICATE RATES 

CERTIFICATES & IRA CERTIFICATES
TERM RATE APY*
6 Month $500 min. 1.50% 1.50%
12 Month $500 min. 2.00% 2.00%
18 Month $500 min. 2.25% 2.25%
24 Month $500 min. 2.35% 2.35%
30 Month $500 min. 1.55% 1.55%
36 Month $500 min. 1.85% 1.85%
60 Month $500 min. 2.10% 2.10%
IRA 12 Month $500 min. 2.00% 2.00%
IRA 30 Month $500 min. 1.55% 1.55%
*APY = Annual Percentage Yield. All rates above are subject to change without notice. A penalty will be imposed for early withdrawal. Fees may reduce earnings. Effective 3/15/2023.