Share Rates
Loan Rates

Loan Rates

Rates effective May 1, 2023, at 7:30 am ET
Rates are subject to change.

 

Vehicles
TermRateAPR*Pymt Based on $1,000 Borrowed on Rate
New Auto
3 years 5.240% 5.240% $30.08
4 years 5.490% 5.490% $23.26
5 years 5.490% 5.490% $19.10
6 years 5.740% 5.740% $16.45
Used Auto**
2015-2023 model years
3 years (2015-2023) 5.240% 5.240% $30.08
4 years (2015-2023) 5.490% 5.490% $23.26
5 years (2017-2023) 5.490% 5.490% $19.10
6 years (2019-2023) 5.740% 5.740% $16.45
Older Auto**
2003-2014 model years
Up to 4 years 7.990% 7.990% $24.41
New & Used Motorcycles**
2015-2023 model years - street legal 300cc minimum size motorcycles only
Up to 6 years 6.990% 6.990% $17.05
* 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
TermRateAPR*Pymt Based on $1,000 Borrowed on Rate
Refinance Mortgage
5 years** 5.900% 6.270% $19.29
5 years*** 5.400% 6.410% $19.06
10 years** 5.900% 6.100% $11.06
10 years*** 5.400% 5.930% $10.81
15 years** 6.000% 6.140% $8.44
15 years*** 5.500% 5.880% $8.17
20 years** 6.250% 6.370% $7.31
20 years*** 5.750% 6.050% $7.02
30 years** 6.350% 6.440% $6.23
30 years*** 5.850% 6.080% $5.90

* APR = Annual Percentage Rate.
** Refinance Mortgage APR based on $100,000 mortgage & includes $875 processing fee. 

*** Refinance Mortgage APR based on $100,000 mortgage & includes $2,375 processing fee. 


Home Equity
Account TypeRateAPR*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% 7.500% 7.500% $12.00 with a minimum of $100 per month
Fixed Rate Home Equity
5 years 5.240% 5.240% $18.98
7 years 5.740% 5.740% $14.49
10 years 5.740% 5.740% $10.98
15 years 5.990% 5.990% $8.44
20 years 6.740% 6.740% $7.60
* APR = Annual Percentage Rate. Line of Credit rate is variable and subject to change after loan account is open.

Secured & Unsecured
Account TypeRateAPR*Pymt Based on $1,000 Borrowed on Rate
Secured
Shares or Share Certificates, Non IRA Shares
Up to 5 years 5.000% 5.000% $18.87
Unsecured
2 years 8.740% 8.740% $45.58
5 years 9.740% 9.740% $21.13
* APR = Annual Percentage Rate.

Fast Cash/Overdraft Protection
Account TypeRateAPR*Minimum Payment
Fast Cash/Overdraft Protection*
variable prime rate plus 3%
Line of Credit 11.000% 11.000% 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 TypeRateAPR*Minimum Payment
Mastercard Plus 11.900% 11.900% Minimum payment of $15 or 3% of balance
* APR = Annual Percentage Rate.

 

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