Loan Rates
Rates effective October 3, 2022, at 7:30 am ET
Rates are subject to change.
Vehicles
| Term | Rate | APR* | Pymt Based on $1,000 Borrowed on Rate |
|---|---|---|---|
| New Auto | |||
| 3 years | 3.24% | 3.24% | $29.19 |
| 4 years | 3.49% | 3.49% | $22.35 |
| 5 years | 3.74% | 3.74% | $18.30 |
| 6 years | 4.24% | 4.24% | $15.76 |
| Used Auto** 2014-2022 model years | |||
| 3 years (2014-2022) | 3.24% | 3.24% | $29.19 |
| 4 years (2014-2022) | 3.49% | 3.49% | $22.35 |
| 5 years (2016-2022) | 3.74% | 3.74% | $18.30 |
| 6 years (2018-2022) | 4.24% | 4.24% | $15.76 |
| Older Auto** 2002-2013 model years | |||
| Up to 4 years | 7.49% | 7.49% | $24.18 |
| New & Used Motorcycles** 2014-2022 model years - street legal 300cc minimum size motorcycles only | |||
| Up to 6 years | 6.74% | 6.74% | $16.93 |
| * APR = Annual Percentage Rate. ** Term based on age of vehicle. | |||
Purchase/First Mortgage
| Name |
|---|
| For Loan Options, Rates, and Terms - visit our Purchase/First Mortgage Center |
Refinance Mortgage
| Term | Rate | APR* | Pymt Based on $1,000 Borrowed on Rate |
|---|---|---|---|
| Refinance Mortgage | |||
| 5 years** | 4.25% | 4.61% | $18.53 |
| 5 years*** | 3.75% | 4.73% | $18.30 |
| 10 years** | 5.00% | 5.19% | $10.61 |
| 10 years*** | 4.50% | 5.02% | $10.36 |
| 15 years** | 5.15% | 5.29% | $7.99 |
| 15 years*** | 4.65% | 5.02% | $7.73 |
| 20 years** | 5.90% | 6.01% | $7.11 |
| 20 years*** | 5.40% | 5.70% | $6.82 |
| 30 years** | 6.15% | 6.24% | $6.09 |
| 30 years*** | 5.65% | 5.87% | $5.77 |
* APR = Annual Percentage Rate. *** Refinance Mortgage APR based on $100,000 mortgage & includes $2,375 processing fee. | |||
Home Equity
| Account Type | Rate | APR* | Pymt Based on $1,000 Borrowed on Rate |
|---|---|---|---|
| Variable Rate Home Equity Line of Credit | |||
| Prime rate minus 1/2%: floor of 4% & cap of 18% | 5.75% | 5.75% | $10.98 with a minimum of $100 per month |
| Fixed Rate Home Equity** | |||
| 5 years | 3.87% | 3.87% | $18.37 |
| 7 years | 4.49% | 4.49% | $13.90 |
| 10 years | 4.74% | 4.74% | $10.49 |
| 15 years | 5.00% | 5.00% | $7.91 |
| 20 years | 5.49% | 5.49% | $6.88 |
* APR = Annual Percentage Rate. Line of Credit rate is variable and subject to change after loan account is open.
| |||
Secured & Unsecured
| Account Type | Rate | APR* | Pymt Based on $1,000 Borrowed on Rate |
|---|---|---|---|
| Secured Shares or Share Certificates, Non IRA Shares | |||
| Up to 5 years | 3.25% | 3.25% | $18.08 |
| Unsecured | |||
| 2 years | 5.99% | 5.99% | $44.31 |
| 5 years | 7.99% | 7.99% | $20.27 |
| * APR = Annual Percentage Rate. | |||
Fast Cash/Overdraft Protection
| Account Type | Rate | APR* | Minimum Payment |
|---|---|---|---|
| Fast Cash/Overdraft Protection* variable prime rate plus 3% | |||
| Line of Credit | 9.25% | 9.25% | Minimum payment of $30 or 3% of balance |
| * APR = Annual Percentage Rate. Rate is variable and subject to change after loan account is open. | |||
Mastercard®
| Card Type | Rate | APR* | Minimum Payment |
|---|---|---|---|
| Mastercard Plus | 11.90% | 11.90% | Minimum payment of $15 or 3% of balance |
| * APR = Annual Percentage Rate. | |||
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