Loan Rates
Vehicle Loans
Rates effective 12/01/2024. Rates subject to change without notice.
| Automobiles | Term | APR* as low as |
|---|---|---|
| 0 to 15,000.00 | up to 48 | 7.74% |
| 15,001 to 29,999 | up to 72 | 6.24% |
| 30,000 to 49,999 | up to 84 | 5.24% |
| 50,000 plus | up to 96 | 5.74% |
Repo Loan Rates
Autos: 3.49 APR*
Other: 3.49 APR*
Platinum Members rate reduced .25% and Member Rewards reduced .10% on auto loans - cannot combine***
RVs, Boats, Motorcycles, (Farm Equipment, Miscellaneous
Equipment over 10,000)
Rates effective 12/01/2024. Rates subject to change without notice.
| RVs, Boats, Motorcycles | New/Used | Term | APR* as low as |
|---|---|---|---|
| 0 to 15,000.00 | New/Used | up to 48 | 7.74% |
| 15,001 to 24,999 | New/Used | up to 72 | 8.24% |
| 25,000 to 49,999 | New/Used | up to 96 | 8.49% |
| 50,000 plus | New/Used | up to 180 | 8.74% |
Other Loans
Rates effective 12/01/2024. Rates subject to change without notice.
| Other Loans | Details | Term | APR* as low as |
|---|---|---|---|
| Miscellaneous | $0-$2,499 | 36 | 8.74% |
| $2,500-$4,999 | 48 | 9.74% | |
| $5,000+ | 60 | 10.74% | |
| Signature | Fixed | 36 | 10.24% |
| Line of Credit | $500 | 10.24% | |
| Overdraft Line of Credit | 10.24% | ||
| Payday Alternative Loan ($200 - 1,000) | 6 | 19.24% | |
| Real Estate 2nd Mortgage | Fixed | 60 | 8.74% |
| Fixed | 180 | 9.24% | |
| HELOC* | Revolving | 7.75% (Owner Occupied ONLY!) | |
| Non-Owner Occupied | Fixed | 180 | 10.24% |
| Real Estate 1st Mortgage** | Fixed | 180 | Market Rate (Owner Occupied ONLY!) |
| Land Only | Fixed | 120 | 10.24% |
| Share Secured | Current dividend rate +3% with 3.5% floor - Amortize at interest amt or $25 minimum, balloon at 36 months | ||
| Certificate Secured | Current dividend rate +3% - balloons at cert maturity | ||
| Promotional Loans | Fixed | 9.24% | |
*HELOC is variable rate based on WSJP and Owner Occupied ONLY! 3.5% floor
**Priced Daily
***Discounts NOT valid on Repo Loans or Promotional Loans