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 |
2.49% |
|
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% |
|
up to 48 months |
3.49% |
|
up to 60 months |
4.49% |
|
up to 72 months |
5.25% |
| *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 |
9.49% |
|
up to 48 months |
10.00% |
|
up to 60 months |
11.00% |
|
up to 66 months |
11.75% |
|
|
|
| Vacation Loan – $2500 |
up to 12 months |
7.49% |
|
|
|
| *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 |
APR* |
APR* |
| 1 – 15 years |
N/A |
Prime (4.00% Min.) |
4.00% |
| *APR=Annual Percentage Rate. Final rate may vary at closing. |
| 2nd MORTGAGES – 80% LTV |
| TERM |
POINTS |
APR* |
APR* |
| 1 – 5 years |
N/A |
1st Lien 3.75% |
2nd Lien 4.50% |
| 6 – 10 years |
N/A |
1st Lien 3.99% |
2nd Lien 5.25% |
| 11 – 15 years |
N/A |
1st Lien 4.25% |
2nd Lien 5.74% |
| 16 – 20 years |
N/A |
1st Lien 4.99% |
2nd Lien 5.99% |
| *APR=Annual Percentage Rate. Final rate may vary at closing. |
| 2nd MORTGAGES – 85% LTV |
| TERM |
POINTS |
APR* |
APR* |
| 1 – 5 years |
N/A |
1st Lien 4.25% |
2nd Lien 4.99% |
| 6 – 10 years |
N/A |
1st Lien 4.99% |
2nd Lien 5.74% |
| 11 – 15 years |
N/A |
1st Lien 5.25% |
2nd Lien 6.00% |
| 16 – 20 years |
N/A |
1st Lien 5.99% |
2nd Lien 6.74% |
| *APR=Annual Percentage Rate. Final rate may vary at closing. |
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* |
| 3 Month $500 min. |
0.03% |
0.03% |
| 6 Month $500 min. |
0.03% |
0.03% |
| 9 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% |
| 6 Month $10,000 min. |
0.03% |
0.03% |
| 12 Month $10,000 min. |
0.05% |
0.05% |
| 18 Month $10,000 min. |
0.08% |
0.08% |
| 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. |
