Current Loan Rates

Current Loan Rates - Effective: 1/21/2025

Auto / Truck / Motorcycle - NEW & USED

  
  Term
    Annual Percentage Rate (as low as)
    Cost per Thousand
    Conditions
  

  7 Years
    7.49%
    $15.33
    120% LTV
  

     6 Years
    6.49%
    $16.81
    120% LTV
      

  5 Years
    5.99%
    $19.33
    120% LTV
  

  4 Years
    5.99%
    $23.48
    120% LTV
  

  3 Years
    5.49%
    $30.19
    120% LTV
  

*6 and 7 year terms only available for 2023 and newer (requires minimum amount of $15,000)

*Vehicles over 10 years (2014 and older) get signature loan rate and term

Looking for a New Recreational Vehicle?!

RV's (Boats, Jet Skis, Snowmobiles, Camping Trailers, ATVs, Motor Homes)

  
  Term
    Annual Percentage Rate (as low as)
    Cost per Thousand
    Conditions
  

  15 Years
    8.74%
    $9.99
    120% LTV
  

  10 Years
    8.24%
    $12.26
    120% LTV
  

  7 Years
    7.99%
    $15.58
    120% LTV
  

  6 Years
    6.99%
    $17.04
    120% LTV
  

  5 Years
    6.49%
    $19.56
    120% LTV
  
4 Years
    6.49%
    $23.71
    120% LTV
  

  3 Years
    5.99%
    $30.42
    120% LTV

6 years and 7 years requires minimum amount of $15,000.

10 years and 15 years requires minimum amount of $50,000.

Other Secured Loans

  
  Product
    Term
    Annual Percentage Rate (as low as)
    Conditions
  

  Share/Cert.
    5 Years
    Varies
    3% over APY, 7% APR minimum
  

Unsecured

  
  Product
    Term
    Base Annual Percentage 
     Rate
    Cost per Thousand
      
Signature
    5 years
      10.90%
    $21.69
  
Signature
    4 years
      9.90%
    $25.31
  

  Signature
    3 years
      9.90%
    $32.22
  

  Signature
    2 years
      9.90%
    $46.10
  

  Signature
    1 year
      9.90%
    $87.87
  

  LOC
    3 years
    10.50%
    $32.50
  

  Credit Card
    3 years
      8.90%
    $31.75
  

Home Loans

Product	Annual Percentage Rate (as low as)	Details
Home Equity Line of Credit	7.40%	(Prime Rate less .10%) subject to change on the first business day of the month, 100% financing on primary residence, 1.5% or $50.00 minimum monthly payment, $5,000.00 minimum loan, no annual fee, ten-year draw period. Members pay fees and all closing costs.
In-House First Mortgage - 5 Year Fixed	Contact the credit union for rates	Contact the credit union for details.
In-House First Mortgage - 10 Year Fixed	Contact the credit union for rates	Contact the credit union for details.
In-House First Mortgage - 15 Year Fixed	Contact the credit union for rates	Contact the credit union for details.
In-House Second Mortgage - 5 Year Fixed	5.75%	Contact the credit union for details.
In-House Second Mortgage - 10 Year Fixed	6.00%	Contact the credit union for details.
In-House Second Mortgage - 15 Year Fixed	6.25%	Contact the credit union for details.
30 Year First Mortgage	Contact the credit union for rates	Contact the credit union for details.
Lot/Land Loans	6.99%	Maximun 15-yr term. Maximum loan is 90% of appraised value or purchase price - whichever is less. Maximum loan is $500,000.00. Lots can be in a subdivision. Land is for recreatioanl purpose or future, primary, single-family residence.

APR = Annual Percentage Rate. All rates are subject to change.

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