Rates

All rates determined by the board of directors and may change without notice.

Auto Loan

AUTO LOAN RATES ¹
TYPE TERM APR* (as low as)
New Auto up to 36 months 1.99%
up to 48 months 2.74%
up to 60 months 3.00%
up to 72 months 3.74%
up to 84 months 4.00%
Used Auto up to 36 months 2.74%
up to 48 months 3.00%
up to 60 months 3.25%
up to 72 months 4.00%
*APR=Annual Percentage Rate. ¹Rates are based on an evaluation of applicant credit. Final rate may vary at closing.
MOTORCYCLE RATES ¹
TYPE TERM APR*(as low as)
New Motorcycle up to 36 months 1.99%
up to 48 months 2.74%
Used Motorcycle up to 36 months 2.74%
*APR=Annual Percentage Rate. ¹Rates are based on an evaluation of applicant credit. Final rate may vary at closing.

Personal Loan

PERSONAL LOAN RATES ¹
TYPE TERM APR*(as low as)
Personal/Signature Loan 15,000 Maximum up to 36 months 8.49%
up to 48 months 8.99%
up to 60 months 9.49%
up to 72 months 10.49%
up to 84 months 11.49%
Holiday Loan – $2500 (10/1/19 – 1/31/20) up to 12 months 3.99%
Vacation Loan – $2500 up to 12 months 6.49%
*APR=Annual Percentage Rate. ¹Rates are based on an evaluation of applicant credit. Final rate may vary at closing.

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. Final rate may vary at closing.

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.
Final rate may vary at closing.

2nd Mortgages & HELOC


2nd MORTGAGES & HOME EQUITY LINE OF CREDIT

HOME EQUITY LINE OF CREDIT
TERM POINTS RATE APR*
1 – 15 years N/A Prime (4.75% Min.) 4.75%
*APR=Annual Percentage Rate. Final rate may vary at closing.
2nd MORTGAGES – 80% LTV
TERM POINTS RATE APR*
1 – 5 years N/A 1st Lien 3.99% 2nd Lien 4.24%
6 – 10 years N/A 1st Lien 4.99% 2nd Lien 5.24%
11 – 15 years N/A 1st Lien 4.71% 2nd Lien 5.24%
16 – 20 years N/A 1st Lien 4.71% 2nd Lien 5.49%
*APR=Annual Percentage Rate. Final rate may vary at closing.
2nd MORTGAGES – 85% LTV
TERM POINTS RATE APR*
1 – 5 years N/A 1st Lien 4.24% 2nd Lien 4.49%
6 – 10 years N/A 1st Lien 5.04% 2nd Lien 5.49%
11 – 15 years N/A 1st Lien 4.71% 2nd Lien 5.49%
16 – 20 years N/A 1st Lien 4.71% 2nd Lien 5.74%
*APR=Annual Percentage Rate. Final rate may vary at closing.

Savings


SAVINGS RATES

SAVINGS
TYPE RATE APY*
Share Savings Account 0.10% 0.10%
Club Accounts 0.10% 0.10%
IRA Share Savings Account (Traditional or Roth) 0.10% 0.10%
*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*
3 Month $500 min. 0.15% 0.15%
6 Month $500 min. 0.15% 0.15%
6 Month $10,000 min. 0.50% 0.50%
9 Month $500 min. 0.20% 0.20%
12 Month $500 min. 0.30% 0.30%
12 Month $10,000 min. 0.75% 0.75%
18 Month $500 min. 0.50% 0.50%
18 Month $10,000 min. 1.00% 1.01%
24 Month $500 min. 0.80% 0.80%
30 Month $500 min. 0.90% 0.90%
36 Month $500 min. 1.15% 1.16%
60 Month $500 min. 1.75% 1.76%
IRA 12 Month $500 min. 0.30% 0.30%
IRA 30 Month $500 min. 0.90% 0.90%
*APY = Annual Percentage Yield. All rates above are subject to change without notice. A penalty will be imposed for early withdrawal.