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 (6.25% Min.) 6.25%
*APR=Annual Percentage Rate. 
HOME EQUITY LOAN – 80% LTV
TERM APR*
4 years 4.00%
8 years 4.50%
10 years 4.75%
15 years 5.00%
16-20 years 5.25%
*APR=Annual Percentage Rate.
HOME EQUITY LOAN – 81-85% LTV
TERM APR*
4 years 4.35%
8 years 4.85%
10 years 5.10%
15 years 5.35%
16-20 years 5.60%
*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. Fees may reduce earnings.

Certificates


CERTIFICATE RATES 

CERTIFICATES & IRA CERTIFICATES
TERM RATE APY*
6 Month $500 min. 0.06% 0.06%
12 Month $500 min. 0.07% 0.07%
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. 0.07% 0.07%
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. Fees may reduce earnings. Effective 9/9/2022.