Rates



Loan Rates Certificate Rates Savings Rates

Effective as of: 2/1/16
 
Loan ProductsAnnual Percentage RateTermConditions
APR
Home Equity Line of Credit3.25%*5 Yr Draw PeriodUp to 1% Below Prime - Variable Rate
15 Year TermRate subject to change
*Floor rate 3.25% maximum rate 18%
80% Loan to Value - No initial closing cost
Rates adjust with credit worthiness
 
Home Equity Fixed Line of Credit2.99%/First 3 years3 Yr Draw Period80% Loan to Value - No initial closing costs
4.99% / Remaining 7 years10 Year TermRates adjust with credit worthiness
 
Fixed Home Equity loan2.99%5 years80% Loan to Value - No initial closing cost
3.49%* - 3.74%10 years* Lower rate is for 1st lien position
3.99%* - 4.24%15 yearsRate adjust with credit worthiness
 
Manufactured Home / Mobile Homes3.99%5 years20% down - 80% Loan to Value
5.49%6 - 7 yearsRate adjust with credit worthiness
6.49%8 -10 yearsCall for more details
7.24%11 -15 years
 
Personal Loan9.49%1-5 Years$250 minimum $7,500.00 maximum
Rate adjust with credit worthiness
Loyalty discount may lower rate
 
Zero Credit Score Loan11.99%6 months - 1 year$250.00 maximum,
Minimum employment 1 year.
 
Loan Special5.15%up to 18 month term or less$250 minimum - $2,500.00 maximum
Rate adjust with credit worthiness
New Money Only - No refinance up to 12 Months
 
Certificate Pledge Loan4.00% over rate3 months - 4 yearsup to 90% financing
 
Share Pledge Loan4.00% over rate1 - 5 yearsup to 90% financing
 
Recreational9.00% New1 - 5 Years20% down - 80% financing
9.50% UsedRate adjust with credit worthiness
Loyalty discount may lower rate
 
1st MortgageFixed/AdjustableCall for details
 
New / Used Auto LoanAPRModel Year
2.34%* - 3.34%2014 - 2015Up to 72 month term
3.34%* - 4.34%2012 - 2013*60 month term or less
5.34%20110% down - 100% (of NADA retail value)
6.34%2010 - 2009Rate adjust with credit worthiness
7.34%2008Loyalty discount may lower rate
8.34%2007 or Older
 
New / Used Motorcycle LoanAPRModel Year
6.99%2014 - 2015Up to 60 month term
8.99%2007 thru 20130% down - 100% (of NADA retail value)
8.99%*2006 or Older*2006 or older 20% down - 80% financing
Rate adjust with credit worthiness
 
Loyalty discounts are based on the number of active accounts and services on a member's profile.
Loyalty discounts only apply to new and used auto loans and do not include any personal loans, mortgage, equity loans or consumer loan specials.
(WSJ) Wall Street Journal Prime Rate 3.50% effective 12/2015.
Rates will be determined by individual credit worthiness. Account subject to individual approval.
(APR) Annual Percentage Rate. Maximum Equity Line or Equity Loan amount is $200,000.00.

NMLS #409468