loans: current rates
Rates quoted as Annual Percentage Rates (APR). All consumer loans are calculated on a simple interest basis. Rates published are base rates that apply in most cases. Due to our various discount and risk-based lending programs, your rate may vary.
Credit Life & Credit Disability Insurance is available to qualified members for a low fee.
Get a loan day or night! Apply for your loan 24/7 by phone at 866-292-7675 or apply online.
Loan Rates As of
| Loan Type |
Loan Term |
Annual Percentage Rates (APR) as LOW as
|
| |
|
NEW |
USED |
Vehicle Loans of All Kinds
Automobiles, Boats, Trailers, & RVs (For Motorcycles, Please add 2.55% to APR)
.25% APR discount with Auto Pay service |
72 months
|
5.95% |
7.55% |
| 60 months |
5.7% |
7.3% |
| 48 months |
5.4% |
7.05% |
 |
| Farm Equipment New/Used |
up to 120 months
|
6.25% to 16.00% |
|
| MasterCard® Credit Cards |
|
No Annual Fees
No
Balance Transfer Fees |
| Platinum MasterCard |
|
8.90% |
| Gold MasterCard |
|
8.90% |
| Classic MasterCard |
|
13.90% |
| Family MasterCard (Platinum) |
|
8.90% |
| Share-Secured MasterCard |
|
9.90% |
| Member's approved credit card/rate is based on applicants' qualification. |
|
Personal Loans & Lines of Credit
.25% APR discount with Auto Pay service |
|
|
| Personal/Signature Loan |
|
10.50% |
Overdraft Protection
Line of Credit |
|
10.00% |
Share Savings Secured
(Variable Rate) |
|
3% above
current Share Savings Rate |
Share Certificate Secured
(Variable Rate) |
|
3% above
current Certificate Rate |
| No annual and balance transfer fees. Member's approved credit card/rate is based on applicants' qualification. |
|
Mortgages & Home Loans
|
|
|
| First Mortgages |
up to 30 yrs
|
Call 800-535-2157
for daily rates |
Home Equity Loan
80% of homes value minus outstanding mortgage |
up to 15 yrs
|
6.90% |
| Home Improvement Loans |
up to 15 yrs
|
7.25% |
| Interim Construction Loans |
|
|
