Auto Loan
| ELECTRIC CAR RATES | ||
| TYPE | TERM | APR* (as low as) |
| Electric Car, New | up to 36 months | 4.00% |
| Model Years 2022-2023 | up to 48 months | 5.00% |
| 7,500 miles or less | up to 60 months | 5.50% |
| up to 72 months | 5.75% | |
| Electric Car, Used | up to 36 months | 4.50% |
| Model Years 2018-2022 | up to 48 months | 5.75% |
| up to 60 months | 6.00% | |
| up to 72 months | 6.50% | |
| AUTO LOAN RATES ¹ | ||
|---|---|---|
| TYPE | TERM | APR* (as low as) |
| New Auto | up to 36 months | 4.49% |
| Model Years 2023 – 2024 | up to 48 months | 5.49% |
| 7,500 miles or less | up to 60 months | 5.99% |
| up to 72 months | 6.24% | |
| Used Auto | up to 36 months | 4.99% |
| Model Years 2018 – 2022 | up to 48 months | 6.24% |
| up to 60 months | 6.49% | |
| up to 72 months | 6.99% | |
| Model Years 2014 – 2017 | up to 36 months | 7.00% |
| **term to be determined during underwriting | up to 48 months | 8.25% |
| ***other conditions may apply | up to 60 months | 8.50% |
| *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* |
|
15 year Draw Period 15 year Payback |
WSJ Prime (8.25% Min.) | 8.25% |
| *APR=Annual Percentage Rate. | ||
| HOME EQUITY LOAN – 80% LTV | |
|---|---|
| TERM | APR* |
| 5 years | 5.55% |
| 8 years | 6.00% |
| 10 years | 6.25% |
| 15 years | 6.75% |
| 20 years | 7.00% |
| *APR=Annual Percentage Rate. | |
| HOME EQUITY LOAN – 81-85% LTV | |
|---|---|
| TERM | APR* |
| 5 years | 6.25% |
| 8 years | 6.75% |
| 10 years | 7.00% |
| 15 years | 7.50% |
| 16-20 years | 7.75% |
| *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. | ||
