Auto Loan
AUTO LOAN RATES¹ |
||
|
TYPE |
TERM |
APR* (as low as) |
| New Auto | ||
| Model Years 2024/2025 | up to 48 months | 5.99% |
| 7,500 miles or less | up to 60 months | 6.49% |
| up to 72 months | 6.74% | |
| Used Auto | ||
| Model Years 2019 – 2024 | up to 48 months | 6.74% |
| up to 60 months | 6.99% | |
| up to 72 months | 7.49% | |
| Model Years 2015 – 2018** | up to 48 months | 8.74% |
| up to 60 months | 8.99% | |
|
*APR=Annual Percentage Rate. ¹Rates are based on an evaluation of applicant credit. Rates subject to change without notice. **Term to be determined during underwriting and other conditions may apply. |
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Personal Loan
PERSONAL LOAN RATES¹ |
||
| TYPE | TERM | APR* (as low as) |
| Personal/Signature Loan | up to 36 months | 9.99% |
| up to 48 months | 10.50% | |
| up to 60 months | 11.50% | |
| *APR=Annual Percentage Rate. ¹Rates are based on an evaluation of applicant credit. Rates subject to change without notice. | ||
Secured Loan
SECURED LOANS¹ |
|
| TYPE | |
| Share Secured | Uses the assets in a savings account as collateral for the loan. When you are approved for a secured loan, an amount in your savings account equal to the loan amount is frozen for the term of the loan. The money becomes available in your savings account again as the loan pays off. |
| Certificate Secured | Contact the loan department for details. |
Seconds Mortgages & Home Equity Loans
SECOND MORTGAGES & HOME EQUITY LOANS
HOME EQUITY LINE OF CREDIT |
||
| TERM | APR* | |
|
15-Year Draw Period 15-Year Repayment |
Wall Street Journal Prime Rate Currently at 7.75% (Adjusted Quarterly) |
|
| *APR=Annual Percentage Rate | ||
HOME EQUITY LOAN – 80% LTV |
|
|---|---|
| TERM | APR* |
| 1-3 years | 5.50% |
| 4-5 years | 6.00% |
| 6-8 years | 6.50% |
| 9-10 years | 6.75% |
| 11-15 years | 7.25% |
| 16-20 years | 7.75% |
| *APR=Annual Percentage Rate. ¹Rates are based on an evaluation of applicant credit. Rates subject to change without notice. | |
HOME EQUITY LOAN – 81-85% LTV |
|
|---|---|
| TERM | APR* |
| 1-3 years | 6.50% |
| 4-5 years | 6.75% |
| 6-8 years | 7.25% |
| 9-10 years | 7.50% |
| 10-15 years | 8.00% |
| 16-20 years | 8.25% |
| *APR=Annual Percentage Rate. ¹Rates are based on an evaluation of applicant credit. Rates subject to change without notice. | |
Savings
SAVINGS RATES
SAVINGS |
||
|---|---|---|
| TYPE | RATE | APY* |
| Share Savings Account | 0.05% | 0.05% |
| Club Accounts | 0.02% | 0.02% |
| IRA Share Savings Account (Traditional or Roth) | 0.05% | 0.05% |
| *APY = Annual Percentage Yield. Dividends declared by the Board of Directors are paid at the close of business on the last day of the quarter. Fees may reduce earnings. | ||
Certificates
CERTIFICATE RATES
CERTIFICATES & IRA CERTIFICATES |
|||
|---|---|---|---|
| TERM | MINIMUM DEPOSIT | RATE | APY* |
| 6 Month | $500 | 1.50% | 1.50% |
| 12 Month | $500 | 2.00% | 2.00% |
| 18 Month | $500 | 2.25% | 2.25% |
| 24 Month | $500 | 2.35% | 2.35% |
| 30 Month | $500 | 1.55% | 1.55% |
| 36 Month | $500 | 1.85% | 1.85% |
| 60 Month | $500 | 2.10% | 2.10% |
| IRA 12 Month | $500 | 2.00% | 2.00% |
| IRA 30 Month | $500 | 1.55% | 1.55% |
| *APY = Annual Percentage Yield. All rates above are subject to change without notice. A penalty will be imposed for early withdrawal. Fees may reduce earnings. Effective 3/15/2023. | |||
