Rates

Loans Savings Fees Share Certificates

Effective as of: 5/1/2018
Loan
Type Term Annual Percentage Rate
VISA CLASSIC/GOLD No Annual FEE 27
Share Secured 2.5% over share secured rate
New Vehicles
*Subtract 0.10% for ACH or payroll dedcution.
**Rates may vary based on credit qualifications, term of loan, year of vehicle, equity in vehicle and mileage of vehicle.
100% of M.S.R.P. 48 As low as 3.10%
100% of M.S.R.P. 66 As low as 3.35%
100% of M.S.R.P. 72 As low as 3.85%
100% of M.S.R.P. 84 As low as 5.30%
New RV's
* Subtract 0.10% for ACH or payroll dedcution.
**Rates may vary based on credit qualifications, term of loan, year of vehicle, equity in vehicle and mileage of vehicle.
100% of Sticker 48 As low as 4.05%
100% of Sticker 60 As low as 4.30%
100% of Sticker 61-84 As low as 5.50%
$25K plus 120 As low as 6.50%
$25K plus 180 As low as 7.10%
Used Vehicles*
100% of NADA retail value 2010 - 2017 Models
(Auto or Truck)
*Subtract 0.10% for ACH or payroll dedcution.
**Rates/Term/Loan Amount may vary based on credit qualifications, year of vehicle, equity in vehicle and mileage of vechicle
48 As low as 3.30%
60 As low as 3.50%
66 As low as 3.85%
72 As low as 4.30%
Used Vehicles*
2009 and Older Models
**Rates/Term/Loan Amount may vary based on credit qualifications, year of vehicle, equity in vehicle and mileage of vechicle
48 As low as 4.30%
Used RV's*
* Subtract 0.10% for ACH or payroll dedcution.
**Rates may vary based on credit qualifications, term of loan, year of vehicle, equity in vehicle and mileage of vehicle. vehicle, equity in vehicle and mileage of vehicle.
80% of NADA retail value 60 As low as 5.05%
$20,000 or greater 84 As low as 5.50%
Other Loans
Personal Line of Credit Based on years service Min. $500 - Max .$12,000 60 As low as 7.95%
Specialty Based on years service Min. $500 - Max .$12,000 12 As low as 5.95%
New And Used Farm Equipment
60 5.20%
48 7.00%
Mortgage
*These rates for loans $30,000 and greater. Add 1% to rates for loans less than $30,000
80% Max 120 3.40%
(First/Refinance) 180 Call for Quote
240 Call for Quote
360 Call for Quote
Construction 5.50%
1/1 Adjustable Rate Mortgage 80% Max 360 2.95%
5/1 Adjustable Rate Mortgage 90% Max 360 3.25%
5 Year Balloon 80% Max 360 3.35%
Equity Line of credit(variable rate) 90% appraised value 300 4.25%
Fixed Rate Second Mortgage
90% of appraised value with a max of $75,000 60 as low as 3.95%**
90% of appraised value with a max of $75,000 84 as low as 4.25%**
90% of appraised value with a max of $75,000 120 as low as 4.75%**
90% of appraised value with a max of $75,000 180 as low as 5.80%**
100% of appraised value with a max of $50,000 12 - 84 mon as low as 7.90%**
** Rates/Term/Loan Amount may vary based on credit qualifications and equity.
Unimproved Property
80% of appraised value 120 7.60%
80% of appraised value 180 8.15%
* Rates may vary based on credit qualifications, term of loan, year of vehicle, equity in vehicle and mileage of vehicle.
** Rate is based on credit qualifications.