Share Rates
Loan Rates

Loan Rates

Rates effective December 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 5.740% 5.740% $30.31
4 years 5.990% 5.990% $23.49
5 years 5.990% 5.990% $19.34
6 years 6.240% 6.240% $16.69
7 years 6.740% 6.740% $14.97
Used Auto**
2015-2024 model years
3 years (2015-2024) 5.740% 5.740% $30.31
4 years (2015-2024) 5.990% 5.990% $23.49
5 years (2017-2024) 5.990% 5.990% $19.34
6 years (2019-2024) 6.240% 6.240% $16.69
7 years (2021-2024) 6.740% 6.740% $14.97
Older Auto**
2003-2014 model years
Up to 4 years 8.240% 8.240% $24.53
New & Used Motorcycles**
2015-2024 model years - street legal 300cc minimum size motorcycles only
Up to 6 years 7.490% 7.490% $17.29
* 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** 6.900% 7.270% $19.76
5 years*** 6.400% 7.410% $19.52
10 years** 7.250% 7.450% $11.74
10 years*** 6.750% 7.290% $11.49
15 years** 7.250% 7.390% $9.13
15 years*** 6.750% 7.140% $8.85
20 years** 7.600% 7.720% $8.12
20 years*** 7.100% 7.410% $7.82
30 years** 7.600% 7.690% $7.06
30 years*** 7.100% 7.340% $6.72

* 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% 8.000% 8.000% $13.00 with a minimum of $100 per month
Fixed Rate Home Equity
5 years 5.740% 5.740% $19.22
7 years 6.240% 6.240% $14.73
10 years 6.240% 6.240% $11.23
15 years 6.490% 6.490% $8.71
20 years 7.240% 7.240% $7.91
* 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 9.740% 9.740% $46.04
5 years 10.740% 10.740% $21.62
* APR = Annual Percentage Rate.

Fast Cash/Overdraft Protection
Account TypeRateAPR*Minimum Payment
Fast Cash/Overdraft Protection*
variable prime rate plus 3%
Line of Credit 11.500% 11.500% 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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