Loan Interest Rates

** Rates are effective as of November 15, 2018 **

Auto – New

APR* = Annual Percentage Rate

Loan TypeTermRates As Low AsEst. Payment Per $1000
New Auto - 100%5 years3.49% APR$18.19
New Auto - 100%6 years3.74% APR$15.53

Auto – Used

APR* = Annual Percentage Rate

Loan TypeTermRates As Low AsEst. Payment Per $1000
Used Auto - 100% 5 years3.99% APR* $18.41
Used Auto - 100%6 years4.24% APR*$15.75
Older Used Auto 20094 years4.49% APR*
$ 22.80
Older Used Auto 20084 years4.99% APR*$ 23.02
Older Used Auto 20074 years5.99% APR*$ 23.48
Older Used Auto 20064 years6.99% APR*$ 23.94

Motorcycle

APR* = Annual Percentage Rate

Loan TypeTermRates As Low AsEst. Payment Per $1000
New Motorcycle 10% Down4 years4.50% APR*$22.80
Used Motorcycle 10% Down3 years5.50% APR*$30.20

Personal Loans

Personal Loans (Maximum $10,000)
APR* = Annual Percentage Rate

Loan TypeTermRates As Low AsEst. Payment Per $1000
Utility Loans48 Months3.99% APR$22.58
Personal Loan2 years7.99% APR*$45.24
Personal Loan3 years9.24% APR*$31.91
Personal Loan4 years9.99% APR*$25.36

Share Secured Loans

100% of Available Balance Financed
APR* = Annual Percentage Rate

Share Secured LoansTermAdded to Share RateEst. Payment Per $1000
Regular Shares4 Years3.00% APRN/A
Certificate Shares4 Years3.00% APRN/A

Home Equity Loan

Fixed Rate (maximum $125,000) – 75% of Value less 1st Mortgage
APR* = Annual Percentage Rate

TermRateAPR*Estimated Payment per $1,000
5 Years4.25%4.34%$18.53
10 Years4.50%4.60%$10.36
15 Years5.00%5.13%$7.91

First Mortgage

Fixed Rate – Purchases 90% with PMI, Refinances w/no cash out 90% with PMI, Refinance with cash out 70% of appraised value.
APR* = Annual Percentage Rate

TERMPointsRateAPR*Est. Payment Per $1000
30 Years04.875%4.995%$5.29
15 Years04.500%4.602%$7.65
 10 Years04.250%4.341%$10.36
5 Years04.250%4.341%$10.36