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Loan Rates

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Regular Loans

Regular Loan Rates
TypeTermAPR1
Auto LoanUp to 84 months5.74% to 15.99%
New RVs, Travel Trailers/Campers, Boats & Personal Watercraft7.74%
Share Secured LoanUp to 60 months2.50% to 2.70%
Secured LoanUp to 84 months7.74% to 15.99%
Signature LoanUp to 60 months12.24% to 15.99%
Promotional LoanUp to 12 months12.00%
Debt Consolidation LoanUp to 72 months10.99%
Loan OverdraftCall for term17.75%
Reserve Account LoanCall for term12.15% to 15.15%
Mastercard Credit CardCall for termAs low as 9.99%
MasterCard Credit Builder Secured Credit CardCall for term16.99%

1Annual Percentage Rate (APR). All rates effective April 18, 2024 and are subject to change daily without notice at the discretion of the Board of Directors. All loan approvals are subject to normal underwriting guidelines. Rates quoted represent the range of rates available. Rates are based on the type of loan, amount of loan and your credit worthiness.

Rate and Term are based on an evaluation of credit.

Home Equity Loans

Home Equity Loan Rates
TypeTermAPR1
Home Equity - Variable
(Up to $29,999.99)		Up to 180 months9.50% to 13.00%2
Home Equity - Variable
(Over $30,000.00)		Up to 180 months8.50% to 12.00%2
Unimproved PropertyUp to 60 months8.15% to 15.99%
Up to 180 months9.15% to 15.99%

1Annual Percentage Rate (APR). All rates effective November 20, 2023 and are subject to change daily without notice at the discretion of the Board of Directors. All loan approvals are subject to normal underwriting guidelines. Rates quoted represent the range of rates available. Rates are based on the type of loan, amount of loan and your credit worthiness.

2Minimum Variable Rate 4.00%. Maximum Variable Rate 17.50%. Minimum Payment $100.00.

Rate and Term are based on credit worthiness.