Loan Rates

Effective 2/01/2016
APR = Annual Percentage Rate

Loan Type

Term

Lowest Rate

APR

New & Used Vehicle Loans

Up to 72 Months

2.99%

3.00%

New Recreational Vehicles (2012 & Newer)

Up to 120 Months

8.50%

8.53%

Used Recreational Vehicles

Up to 120 Months

9.25%

9.28%

New Motorcycle/Boat (2012 & Newer)

Up to 60 Months

7.25%

7.27%

Used Motorcycle/Boat

Up to 60 Months

8.00%

8.02%

  • Rates and terms are subject to change without notice. The APR shown is for well qualified borrowers. Your interest rate (APR) will be based on creditworthiness, loan term, and with approved credit (W.A.C.). Example: $10,000 auto loan with an APR of 2.99% for 72 months would have a monthly payment of $151.92. Other rates and terms are available. Some restrictions may apply.

Loan Type

Term

Lowest APR

Share Savings

Varies

3.50%

Share Certificate

Up to maturity of Certificate

2.00% above CD rate, Min. 4.0%

Money Market

Varies

2.00% above MM rate, Min. 4.0%

Loan Type

Term

Lowest APR

Signature Loan

Up to 60 Months

9.99%

Overdraft

Line of Credit, Varies

16.00%

VISA® Credit Card

N/A

10.99%

  • Rates and terms are subject to change without notice. The APR shown is for well qualified borrowers. Your interest rate (APR) will be based on creditworthiness, loan term, and with approved credit (W.A.C.). Example: $10,000 personal loan with an APR of 9.99% for 60 months would have a monthly payment of $212.52. Other rates and terms are available. Some restrictions may apply.
Home Loans
1st Mortgage
1st mortgage requests must be deferred to lending personnel for privacy & documentation control. Review 1st mortgage rates.

Loan Type

Term

Lowest Rate

APR

90% LTV

120 Months

6.50%

6.73%

90% LTV

180 Months

6.75%

6.91%

90% LTV

240 Months

Not Currently Offered

Not Currently Offered

  • Fixed rate – rate is dependent on Loan to Value (LTV) ratio, term, and credit history
  • APR = Annual Percentage Rate. Rates and terms are subject to change without notice. The APR shown is for well qualified borrowers. Your interest rate (APR) will be based on creditworthiness, loan term, and with approved credit (W.A.C.). Example: $50,000 2nd mortgage with an APR of 6.50% for 120 months would have a monthly payment of $567.97. Other rates and terms are available. Some restrictions may apply. Some interest payments are tax deductible. Consult a tax adviser for further information regarding the deductibility of interest and charges.
*$100,000 is max loan amount
**Assumes a $25,000 loan request

Loan Type

Loan Details

Bronze HELOC (90% LTV)

Prime Rate Plus(+) .50%

Silver HELOC (85% LTV)

Prime Rate

Gold HELOC (Currently not offered)

Prime Rate Minus(-) 1.0%

  • Variable rate, based on prime rate plus a margin that is based on loan to value (LTV) ratio & credit history.
  • Rates and terms are subject to change without notice. The APR shown is for well qualified borrowers. Your interest rate (APR) will be based on creditworthiness, loan term, and with approved credit (W.A.C.). Other rates and terms are available. Some restrictions may apply. Some interest payments are tax deductible. Consult a tax adviser for further information regarding the deductibility of interest and charges.
*Minimum Floor Limit at 4.75%
Fees

Fees for real estate loans can vary, and they include (but are not limited to):

  • Appraisal
  • Title Policy
  • Filing Fees
  • Document Preparation
  • Origination