Loan Rates

Rates effective 2/1/2026
Rates are subject to change

APY = Annual Percentage Yield
APR = Annual Percentage Rate

Auto Loans

Term*	APR (as low as)**
New Auto (2021 and Newer)
4 years / 48 months	4.74%
5 years / 60 months	4.99%
6 years / 72 months	5.24%
7 years / 84 months	5.49%
Used Auto (Models 2017 - 2020)
4 years / 48 months	5.49%
5 years / 60 months	5.74%
6 years / 72 months	5.99%
7 years / 84 months	6.24%

Maximum amount financed - up to 110% of NADA average retail including tax and license. Financing for vehicles 10yrs and older available. Contact credit union for details.
*Terms based on amount financed and model year of collateral

Boat & RV Loans

Loan Type	APR**	Term*
New Boat & RV's	as low as 7.49%	*up to 180 months
Used Boat & RV's	as low as 8.49%	*up to 180 months

Value based on NADA average retail or Marine Survey. Minimum down payment required based on age of collateral and applicant qualifications.
*Terms based on amount financed and model year of collateral

Airplane Loans

Loan Type	APR**	Term*
Airplane Loans	as low as 6.99%	*up to 180 months

Aircrafts for personal use (non-revenue generating)
*Terms based on amount financed

Motorcycle Loans

Loan Type	APR**	Term*
Motorcycles 2021 or Newer	as low as 6.99%	*up to 84 months
Motorcycles 2017 - 2020	as low as 8.74%	*up to 48 months

Value based on NADA average retail. For loans under $20,000 rate is .50% higher.
*Terms based on amount financed and model year of collateral

Personal Loans

Loan Type	APR**	Term*
Share Secured Loans	3% over dividend rate	flexible repayment
Credit Builder Loans	6.00%	flexible repayment
Signature Loan	as low as 10.00%	*up to 60 months
Personal Line of Credit	as low as 12.05%

Maximum loan amount based on gross monthly income. Line of credit payments are 2% of loan balance or a minimum payment of $25.00.
*Terms based on amount financed

**All loan rates are Annual Percentage Rates and subject to change without notice. Your rate and credit limit will be determined on creditworthiness including income, debt ratio, and collateral value (based on NADA average retail)
Assume you borrow $20,000 for an auto loan. The calculated APR on a 5 year loan with an interest rate of 4.99% would result in a monthly payment of $254.65.

Home Equity Rates

Rates effective 2/1/2026

HELOC Variable Rate

LTV	Rate***	Draw period	Repayment	Margin
up to 80%	7.75%	10 Year	15 year	1
81% - 90%	8.75%	10 Year	15 year	2
75% Rental Prop.	7.75%	10 Year	15 year	1

$500.00 Cash Gift to Borrower When HELOC Loan Funds

Index = prime rate as stated in the Wall Street Journal *** Rate = index + margin Semi Annual Adjustments
Minimum loan amount or credit limit is $25,000. Minimum draw is $100.
Minimum payment during draw payment is 1% of outstanding balance at the end of billing cycle or $100 whichever is greater.
Payment during repayment period is amortized over 15 years based on the balance at the end of the draw period.
Changes to the index may result in payment changes.

Home Mortgage Rates

Rates effective 2/3/2026

Fixed Rates	Rates	APR*
30 Year Fixed	5.875%	6.103%
30 Year Fixed (investment property)	6.375%	6.621%
15 Year Fixed	5.125%	5.362%

Adjustable Rates	Rates	APR*
5 Year Fixed	5.500%	6.475%
7 Year Fixed	5.625%	6.218%
10 Year Fixed	5.990%	6.788%

Jumbo Rates	Rates	APR*
30 Year Fixed	6.250%	6.431%
5 Year ARM	5.990%	6.468%
7 Year ARM	5.750%	6.373%

FHA Rates	Rates	APR*
30 Year Fixed	5.375%	6.218%

Rates include a 1% loan fee, based on $400,000 loan with 20% down payment. Investment property with 25% down. FHA APR based on $400,000 loan with 3.5% down. Rates are based on purchase of a primary residence. See Credit Union for details. Rates are subject to change without notice.

Savings Rates