LOAN RATES
Auto • Motorcycle • Personal • Secured • Home Equity • 2nd Mortgages • Savings • Certificate/IRAs
All rates determined by the Board of Directors and may change without notice.
AUTO LOAN RATES ¹
|
| TYPE |
TERM |
APR* (as low as) |
| New Auto |
up to 36 months |
1.75% |
|
up to 48 months |
2.24% |
|
up to 60 months |
2.50% |
|
up to 72 months |
3.24% |
|
up to 84 months |
3.50% |
| Used Auto |
up to 36 months |
2.24% |
|
up to 48 months |
2.50% |
|
up to 60 months |
2.75% |
|
up to 72 months |
3.50% |
*APR=Annual Percentage Rate. ¹Rates are based on an evaluation of applicant credit. Final rate may vary at closing.
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MOTORCYCLE RATES ¹
|
| TYPE |
TERM |
APR*(as low as) |
| New Motorcycle |
up to 36 months |
1.75% |
|
up to 48 months |
2.24% |
| Used Motorcycle |
up to 36 months |
2.24% |
*APR=Annual Percentage Rate. ¹Rates are based on an evaluation of applicant credit. Final rate may vary at closing.
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PERSONAL LOAN RATES ¹
|
| TYPE |
TERM |
APR*(as low as) |
| Personal/Signature Loan 15,000 Maximum |
up to 36 months |
8.49% |
|
up to 48 months |
8.99% |
|
up to 60 months |
9.49% |
|
up to 72 months |
10.49% |
|
up to 84 months |
11.49% |
|
| Vacation Loan – $2500 |
up to 12 months |
6.49% |
*APR=Annual Percentage Rate. ¹Rates are based on an evaluation of applicant credit. Final rate may vary at closing.
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SECURED LOANS
|
| 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.
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VISA CREDIT CARD
|
|
|
| TYPE |
TERM |
APR* |
| VISA Credit Card |
N/A |
10.90% |
*APR=Annual Percentage Rate. ¹Rates are based on an evaluation of applicant credit. Final rate may vary at closing.
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2nd MORTGAGES & HOME EQUITY
HOME EQUITY
|
| TERM |
POINTS |
RATE |
APR* |
| 1 – 15 years |
N/A |
Prime (4.75% Min.) |
4.75% |
*APR=Annual Percentage Rate. ¹Rates are based on an evaluation of applicant credit. Final rate may vary at closing.
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2nd MORTGAGES – 80% LTV
|
| TERM |
POINTS |
RATE |
APR*(as low as) |
| 1 – 5 years |
N/A |
3.99% |
3.99% |
| 6 – 10 years |
N/A |
4.99% |
4.99% |
| 11 – 15 years |
N/A |
4.99% |
4.99% |
| 16 – 20 years |
N/A |
5.24% |
5.24% |
*APR=Annual Percentage Rate. ¹Rates are based on an evaluation of applicant credit. Final rate may vary at closing.
|
2nd MORTGAGES – 90% LTV
|
| TERM |
POINTS |
RATE |
APR*(as low as) |
| 1 – 5 years |
N/A |
4.24% |
4.24% |
| 6 – 10 years |
N/A |
5.24% |
5.24% |
| 11 – 15 years |
N/A |
5.24% |
5.24% |
| 16 – 20 years |
N/A |
5.42% |
5.42% |
*APR=Annual Percentage Rate. ¹Rates are based on an evaluation of applicant credit. Final rate may vary at closing.
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SAVINGS RATES
SAVINGS
|
| TYPE |
RATE |
APY* |
| Share Savings Account |
0.10% |
0.10% |
| Club Accounts |
0.10% |
0.10% |
| IRA Share Savings Account (Traditional or Roth) |
0.10% |
0.10% |
*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.
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CERTIFICATE RATES
CERTIFICATES & IRA CERTIFICATES
|
| TERM |
RATE |
APY* |
| 3 Month $500 min. |
0.10% |
0.10% |
| 6 Month $500 min. |
0.15% |
0.15% |
| 6 Month $10,000 min. |
0.30% |
0.30% |
| 9 Month $500 min. |
0.25% |
0.25% |
| 12 Month $500 min. |
0.35% |
0.35% |
| 12 Month $10,000 min. |
0.60% |
0.60% |
| 18 Month $500 min. |
0.65% |
0.65% |
| 24 Month $500 min. |
0.80% |
0.80% |
| 30 Month $500 min. |
0.90% |
0.90% |
| 36 Month $500 min. |
1.00% |
1.01% |
| 60 Month $500 min. |
1.75% |
1.76% |
| IRA 12 Month $500 min. |
0.60% |
0.60% |
| IRA 30 Month $500 min. |
1.00% |
1.01% |
*APY = Annual Percentage Yield. All rates above are subject to change without notice. A penalty will be imposed for early withdrawal.
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