Online Banking
Lending Rates
Effective October 1, 2022
| Term | Amount Financed | APR* |
|---|---|---|
New Vehicle |
||
| Varies | 100% Retail Value | 2.00% to 13.75% |
| Varies | 80% Retail Value | 1.75% to 13.25% |
Used Vehicle |
||
| 60 Months | 100% NADA Retail Value | 3.90% to 13.90% |
| 48 Months | 100% NADA Retail Value | 3.65% to 13.65% |
| 36 Months | 100% NADA Retail Value | 3.00% to 13.00% |
| 24 Months | 100% NADA Retail Value | 2.75% to 12.50% |
| 12 Months | 100% NADA Retail Value | 2.50% to 12.00% |
New RV/Boat/Trailer |
||
| Varies | 100% Retail Value | 2.50% to 14.75% |
| Varies | 80% Retail Value | 2.25% to 14.25% |
Used RV/Boat/Trailer |
||
| 60 Months | 100% NADA Retail Value | 5.40% to 15.40% |
| 48 Months | 100% NADA Retail Value | 5.15% to 15.15% |
| 36 Months | 100% NADA Retail Value | 4.50% to 14.50% |
| 24 Months | 100% NADA Retail Value | 4.25% to 14.25% |
| 12 Months | 100% NADA Retail Value | 4.00% to 14.00% |
*Annual Percentage Rate. Rates may vary depending on term and credit worthiness.
| Loan Type | APR* | Additional Info |
|---|---|---|
Secured Loans |
||
| Home Equity Loan | 4.85% to 6.60% 4.50% to 6.25% with share draft deduction | $75,000 (MAX) cannot exceed 80% loan to value 5, 7 or 10 year terms |
| Home Equity Line of Credit | Prime Interest Rate Floor 5.00% Ceiling 18.00% | $75,000 (MAX) cannot exceed 80% loan to value |
| Share Secured Loan | 2% above regular share rate | 8 Year (MAX) |
| Certificate Secured Loan | 2% above regular certificate rate | |
Unsecured Loans |
||
| Signature Loan | 7.90% to 17.90% | $15,000 (MAX) 72 Month (MAX) |
| First Time Borrower Loan | 15.00% | $500 12 Month (MIN) |
| Student Loan | 7.00% | $10,000 (MAX) 7 year (MAX) |
Visa Credit Card
| Annual Percentage Rate (APR) for Purchases | 7.99% - 14.99% |
| Cash Advance APR | 7.99% - 14.99% |
| Method of Computing the Balance for Purchases | Average Daily Balance (Including new purchases) |
| Maximum Credit Limit based on Credit Worthiness | $15,000 |
| Annual Fee | None |
| Minimum Finance | Charge None |
| Transaction Fee for Purchases | None |
| Late Payment Fee | $20.00 |
| Over-the-Limit Fee | None |