Loan Rates
Rates effective 2/6/2025
Rates are subject to change
APY = Annual Percentage Yield
APR = Annual Percentage Rate
Auto Loans
Loan Type | APR** | Term* |
---|---|---|
Autos 2020 or Newer | as low as 5.49% | *up to 84 months |
Autos 2016 - 2019 | as low as 6.24% | *up to 84 months |
*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 |
*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 |
*Terms based on amount financed
Motorcycle Loans
Loan Type | APR** | Term* |
---|---|---|
Motorcycles 2020 or Newer | as low as 6.99% | *up to 84 months |
Motorcycles 2016 - 2019 | as low as 8.74% | *up to 48 months |
*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% |
*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 6.24% would result in a monthly payment of $388.93.
Home Equity Rates
Rates effective 2/6/2025
HELOC Variable Rate
LTV | Rate*** | Draw period | Repayment | Margin |
---|---|---|---|---|
up to 80% | 8.50% | 10 Year | 15 year | 1 |
81% - 90% | 9.50% | 10 Year | 15 year | 2 |
75% Rental Prop. | 8.50% | 10 Year | 15 year | 1 |
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 2/14/2025
Fixed Rates | Rates | APR* |
---|---|---|
30 Year Fixed | 6.500% | 6.712% |
30 Year Fixed (investment property) | 7.125% | 7.366% |
15 Year Fixed | 5.625% | 5.849% |
Adjustable Rates | Rates | APR* |
---|---|---|
5 Year Fixed | 7.000% | 7.671% |
7 Year Fixed | 6.875% | 7.453% |
10 Year Fixed | 7.250% | 7.738% |
Jumbo Rates | Rates | APR* |
---|---|---|
30 Year Fixed | 7.125% | 7.276% |
5 Year ARM | 6.875% | 7.681% |
7 Year ARM | 6.875% | 7.401% |
FHA Rates | Rates | APR* |
---|---|---|
30 Year Fixed | 6.000% | 6.831% |
Savings Rates
Rates effective 2/6/2025
Fees may reduce earnings
Savings Type | Min. Balance | APY - Annual Percentage Yield | Term |
---|---|---|---|
Savings | $5 and up* | 2.01% | |
Youth Savings | $5 to $500 | 6.14% | |
$500.01+ | 2.01% | ||
Christmas Club | $5 and up* | 2.01% | |
Save Your Way | $5 and up* | 2.01% | |
IRAs* | $5 and up* | 2.11% | |
Share Certificates** | $500+ | 3.75% | 3 months |
$500+ | 4.00% | 6 months | |
$500 to $99,999 | 4.15% | 1 year | |
$100,000+ | 4.25% | 1 year | |
$500 to $99,999 | 3.00% | 2 years | |
$100,000+ | 3.10% | 2 years | |
$500 to $99,999 | 3.00% | 3 years | |
$100,000+ | 3.10% | 3 years |