Loan Rates
| Loans | ||
| Effective Date: Monday, January 18th, 2021 | ||
| Type | Term | APR* |
| Auto Loans | As Low As: | |
| New Vehicles (2018 - 2020) | Up to 60 months 61 to 72 months 73 to 84 months |
2.74%* 2.99%* 3.49%* |
| Used Vehicles (2011 - 2017) | up to 60 months up to 72 months |
3.49%* 3.99%* |
| College Student Auto loans | .25% less than regular auto loan with qualified comaker | |
| Fast Cash Loans | up to 24 months, $7,500 maximum | 5.99%* |
| Signature & Unsecured Loans | up to 60 months, $15,000 maximum | 8.25%* |
| *APR=annual percentage rate. Subject to qualifications. Rate includes 0.25% discount for members that have direct deposit and sign up for automatic transfer or members that take Life and Disability insurance on their loan. | ||
| Other Type of Loans | ||
| Type | Term | APR* |
| Motorcycles New (2017-2019) |
up to 72 months | 3.99%* |
| Boats - New (2019-2017) |
up to 72 months | 3.99%* |
| over $15,000.00 | 73 to 120 months | 4.49%* |
| over $50,000.00 | 121 to 180 months | 5.24%* |
| Boats - Used (2016 & older) |
up to 72 months | 5.0%* |
| over $15,000.00 | 73 to 120 months | 5.49%* |
| over $50,000.00 | 121 to 144 months | 5.99%* |
| Snowmobiles | up to 72 months | 4.74%* |
| Watercraft - Ski-doos, waverunners, etc |
up to 72 months | 4.74%* |
| Off Road | up to 72 months | 4.74%* |
| Lawn Tractors | up to 60 months | 4.74%* |
| Mowers | up to 60 months | 4.74%* |
| Campers, Motorhomes, Travel Trailer New |
up to 72 months | 3.99%* |
| over $15,000.00 | 73 to 120 months | 4.49%* |
| over $50,000.00 | 121 to 180 months | 5.24%* |
| Used Camper/Motorhome | up to 72 months | 5.0%* |
| over $15,000.00 | 73 to 120 months | 5.49%* |
| over $50,000.00 | 121 to 144 months | 5.99%* |
| Farm Equipment | up to 60 months | 7.00%* |
| Other Secured | up to 60 months | 7.25%* |
| Share Certificate Secured Loans | maximum of 36 months | CD Rate + 2.50% |
| Revolving Credit Loans | up to 36 months | 8.00% |
| Share Secured Loans | up to 60 months | 3.00% |
| Real Estate | ||
| Name | Term | APR* |
| Home Equity | 5 year Fixed | 5.25%* |
| 7 year Fixed | 5.50% | |
| First Mortgages | 15 year fixed rate mortgage with 0 points | 4.65% |
| 10 year with 0 points | 4.45% | |
| Vacant Land | 5 year balloon, amortization 15 years, minimum 30% down payment required. | 7.00% |
| Terms and conditions subject to a loan officers approval... | ||
*APR- Annual Percentage Rate. Subject to qualifications. Rate includes 0.25% discount for direct deposit of net check and auto payment or members that take credit Life & Disability insurance on their loan. Discount excludes Mortgage, Home Equity, and Share Secured loans.
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