*
APR = Annual Percentage Rate. APR may be higher based on members credit qualifications and loan type.
| Loan Type |
Year/Amount |
Term |
*APR |
| New Automobiles |
2020-2021 |
up to 72 months |
as low as *1.99% |
| New Automobiles |
2020-2021 |
up to 84 months |
as low as *2.49% |
| Used Automobiles |
2014-2019 |
up to 60 months |
as low as *2.49% |
| Used Automobiles |
2013 & older |
up to 36 months |
as low as *3.49% |
| Motorcycles/Motorhomes Travel Trailers/5th Wheels Boats |
|
max 84 months |
as low as *3.25% |
| Motorcycles/Motorhomes Travel Trailers/5th Wheels Boats |
|
max 144 months |
as low as *3.50% - *4.50% |
| Jet Ski/ATV/Snowmobile |
|
|
as low as *2.99% New - *3.99% Used |
VISA RATES
Effective Date: January 16, 2021
*APR = Annual Percentage Rate. APR may be higher based on members credit qualifications and loan type.
| Loan Type |
Amount |
Term |
*APR |
| Visa Classic |
$6,000 max per member |
25 day grace & No annual fee |
12.84% |
| Visa Gold |
$12,000 max per member |
25 day grace & No annual fee |
9.50% |
HOME LOAN RATES
Effective Date: January 16, 2021
*APR = Annual Percentage Rate. APR may be higher based on members credit qualifications and loan type.
| Loan Type |
Year/Amount |
Term |
*APR |
| Home Equity |
Call us |
Line of credit - payments calculated at $100 per $10,000 |
Call us |
| Home Improvement |
$15,000 per signature |
max 120 months |
7.99% |
| 1st Mortgage |
80% of appraised value |
15-year fixed |
Call us |
| 2nd Mortgage |
Call us |
15-year fixed |
Call us |
| 3 year ARM |
Call us |
Variable |
Call us |
| 5 year ARM |
Call us |
Variable |
Call us |
OTHER RATES
Effective Date: January 16, 2021
*APR = Annual Percentage Rate. APR may be higher based on members credit qualifications and loan type.
| Loan Type |
Year/Amount |
*APR |
| Line of Credit |
$3,500 per member |
as low as *6.99% |
| Certificate Secured Loan |
|
CD Rate +3% |
| Share Secured Loan |
|
1.25% |
| Personal Loan |
UP TO $5,000 |
|
| |
12-36 months |
as low as *4.49% |
| |
37-60 months |
as low as *5.49% |
|
61-120 months |
as low as *6.49% |
| Personal Loan |
UP TO $10,000 |
|
|
12-36 months |
as low as *5.49% |
|
37-60 months |
as low as *6.49% |
|
61-120 months |
as low as *7.49% |
SHARE RATES
SHARES
Effective Date: January 16, 2021
*APR = Annual Percentage Rate. **APY = Annual Percentage Yield. Amount Includes Young Investors and Christmas Club Accounts. Rates paid for last quarter dividend. Rates are not guaranteed for future periods.
| Amount |
*APR |
**APY |
| $5.00 - $4,999 |
0.03% |
0.03% |
| $5,000 and over |
0.05% |
0.05% |
SHARE CERTIFICATES
Effective Date: January 16, 2021
**APR = Annual Percentage Rate. **APY = Annual Percentage Yield.
| Term |
Minimum Deposit |
*APR |
**APY |
| 6 months |
$1,000.00 |
0.25% |
0.25% |
| 12 months |
$1,000.00 |
0.35% |
0.35% |
| 24 months |
$1,000.00 |
0.45% |
0.45% |
| 36 months |
$1,000.00 |
0.55% |
0.55% |
| 48 months |
$1,000.00 |
0.70% |
0.70% |
| 60 months |
$1,000.00 |
0.80% |
0.80% |
IRA SHARE
Effective Date: January 16, 2021
**APR = Annual Percentage Rate. **APY = Annual Percentage Yield. Rates paid for last quarter dividend. Rates are not guaranteed for future periods.
| Amount |
*APR |
**APY |
| $0 - $24,999 |
0.15% |
0.15% |
| $25,000 and over |
0.25% |
0.25% |