Rates & Fees
Loan Rates Dividend Rates Chart of Fees
Effective as of: 2/20/2019
| New Autos | |||
| Year | Term | A.P.R. | |
| 2016 - 2019 | 39 Months | 2.99% | |
| 40 - 63 Months | 3.625% | ||
| 64 - 75 Months | 4.99% | ||
| Up to 100% of Kelley Blue Book value. Please visit: https://www.kbb.com | |||
| Used Autos | |||
| Year | Term | A.P.R. | |
| 2013 - 2015 | Up to 63 Months | 4.9% | |
| 2011 - 2012 | Up to 48 Months | 4.99% | |
| 2006 - 2010 | Up to 39 Months | 4.25% | |
| 2005 or Older | Up to 36 Months | 5.25% | |
| Up to 100% of Kelley Blue Book value. Please visit: https://www.kbb.com | |||
| Motorcycles | |||
| Year | Term | A.P.R. | |
| 2016 - 2019 | Up to 60 Months | 4.50% | |
| 2015 or older | Up to 48 Months | 5.00% | |
| Up to 100% of Kelley Blue Book value. Please visit: https://www.kbb.com | |||
| Home Loans | |||
| Loan Type | Term | A.P.R. | |
| Home Equity | 1 Year Adjustable | 180 Months | 5.25% |
| Adjustable Rate Mortgage | 3 Year Adjustable | 180 Months | 3.75% |
| Fixed Rate Mortgage | 15-20 Year (1st Lien) | 180 Months | 5.00% -5.25% |
| Fixed Rate Mortgage | 15-20 Year (2nd Lien) | 180 Months | 5.375%-5.625% |
| Our Home Equity rates will always be .25% below the Prime Rate | |||
| Please contact us for 5 - 10 year specialized fixed rate mortgages | |||
| Personal Loans | |||
| Loan Type | Term | A.P.R. | |
| Signature | $15,000 Maximum | 36 Months | 12.65% |
| Up to 60 Months | 13.75% | ||
| *Special* | Up to 60 Months | 7.99% | |
| Visa Credit Card | |||
| Loan Type | A.P.R. | ||
| Revolving | $15,000 Maximum | 11.90% | |
| *With Autopay* | 9.99% | ||
| Share Secured Loans | |||
| Loan Type | Term | A.P.R. | |
| Signature | Up to 60 Months | 1.50% | |
| Share Secured Loan rates will always be 1% above the Regular Shares dividend rate found on the Dividend Rates page. | |||
| Education Tuition Loans | |||
| Loan Type | Term | A.P.R. | |
| Signature | $15,000 Maximum | 36-60 Months | 6.00% |
| Home or Auto Insurance Premium Loan | |||
| Loan Type | Term | A.P.R. | |
| Signature | 18 Months | 4.90% | |
| Winter Heat Budget Program | |||
| Loan Type | Term | A.P.R. | |
| Signature | 12 Months | 4.90% | |
