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 3.95% to APR)
.25% APR discount with Auto Pay service |
72 months
|
5.00% |
6.00% |
| 60 months |
4.75% |
5.75% |
| 48 months |
4.50% |
5.50% |
 |
| 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% |
| Classic MasterCard |
|
13.90% |
| Family MasterCard (Platinum) |
|
8.90% |
| Share-Secured MasterCard |
|
13.90% |
| 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 |
|
9.75% |
Overdraft Protection
Line of Credit |
|
10.50% |
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
|
|
|
Home Equity Loan
80% of homes value minus outstanding mortgage |
up to 20 yrs
|
5.90% |
| Home Improvement Loans |
up to 20 yrs
|
7.90% |
| Interim Construction Loans |
|
|
Loan Rates As of
|
Daily Mortgage Rates Loans
|
|
|
| conventional 30 Yr. Fixed* |
30 yrs
|
5.50%
|
conventional 15 Yr. Fixed*
|
15 yrs
|
5.00% |
| Origination Fees |
|
1.00% |
| * Rates are subject to change at any time until you apply for a loan and "lock in" a rate. Closing costs are comprised of fees from your lender, title company and/or closing agent, and various third parties including but not limited to local governments, surveyors, inspectors, and couriers. |
