Loan Rates Savings Account Certificate Rates
Effective as of: 01/21/26(Subject to Change Without Notice)
| APR = Annual Percentage Rate APY = Annual Percentage Yield | ||||
| Loan Rates | ||||
| Description: | APR | Maximum | Term | |
| 100% Share Secured | 3.0% | unlimited | 84 months | |
| 50% Share Secured | 4.0% | $10,000 | 48 months | |
| Certificate Secured | 3% above cert. rate | |||
| *Depends on your credit score | ||||
| Line of Credit | 9.5% to 10.5% | $7,000* | 36-48 months* | |
| Signature Loan | 8.0% to 10.0% | $10,000 | 36-60 months* | |
| Visa Credit Card | 9.9% | $8,000 | revolving | |
| Minimum monthly payment is 3% of balance | ||||
| Home Equity Loan - Fixed | 5.25% | $75,000 | 60 months | |
| 5.25% | $75,000 | 120 months | ||
| Home Equity Line of Credit | 6.5% variable | $75,000 | 180 months | |
| The APR is based on the Wall Street Journal Prime Index and can change semi-annually on the first day of March and September. To determine the rate, we subtract1% from t margin to the value of the index and round up to the next .25% | ||||
| Auto Loans | ||||
| Description: | APR | Term | ||
| Used Auto Loans | *Depends on credit score | 4.75% to 10.50%* | Up to 60 months | |
| 4.75% to 10.5%* | 61-72 months | |||
| *Only used vehicles less than 5 years old | ||||
| New Auto and Motorcycle Loans | *Depends on credit score | 4.75% to 10.25%* | Up to 60 months | |
| 4.75% to 10.25%* | 61 to 84 months | |||
| Current Special Rates | ||||
| Description: | APR | Maximum | Term | |
| Loan Special | 4.99% | $4000 | 36 months | |
| * Depends on your credit score. | ||||
