Loan Rates

Loan Rates as of February 28, 2015

Rates and other terms are subject to change at any time without prior notice.

 New and Used Auto, New RV (2007 and above models)
Term APR*
36 months  2.99% – 12.99%
48 months  2.99% – 12.99%
 60 months  2.99% – 12.99%
 72 months (over $20,000)  2.99% – 12.99%
 84 months (RV’s only)  8.99% – 18.00%

Used Vehicles (2005-2001 models)

Term APR*
36 months  7.60% – 14.60%
48 months  8.00% – 15.00%
60 months  8.50% – 15.50%
72 months (over $20,000)  9.00% – 16.00%

Recreational/Farm Equipment (80% of List Price:  2000 and above models)

Term APR*
 24 months  7.50% – 14.50%
36 months  7.60% – 17.60%
48 months  8.00% – 18.00%
60 months  8.50% – 18.00%
72 months (over $25,000)  9.00% – 18.00%

Personal/Line of Credit/Overdraft Protection

Term APR*
 36 months ($500-$5,000)  9.40% – 18.00%
 48 months ($5,001-$15,000)  9.40% – 18.00%

Share and Certificate Secured

Term APR*
Share- Fixed Rate  4.00%
Certificate- Adjustable Rate  2.00% Above Certificate Rate

Mobile Home with Land  (Case by case on mobile home with no land)
(WE WILL NOT GO OVER 10 YEARS OLD ON MOBILE HOMES)

New Mobile Home (up to 10yrs) 9.50%-16.50%
80% of factory list price
Used Mobile Home (up to 10 yrs) 9.75%- 16.75%
80% of trade-in value

Mortgage Loans

Real Estate 80% of Appraisal 12 years Fixed Rate 5yr of less/ 5yr ARM
A 5.00% B 6.25% A 4.25% B 5.25%
C 7.25% D 8.25% C 6.25% D 7.25%
Land 80% of Appraisal 12 years Fixed Rate 15yrs loan over $50k
A 6.00% B 7.25% A 7.00% B 8.25%
C 8.25% D 9.25% C 9.25% D 10.25%

Home Equity Lines of Credit 

Home Equity 80% OR

90% (add .5%) Fixed Rate

5 Years or Less 7 Years
A 3.9% 3.9%
B 4.9% 5.9%
C 6.9% 7.9%
D 7.9% 8.9%
Home Equity 80% Adjustable Rate

(90% LTV add .5%) Term up to 15 years

A Prime plus 0% 3.25%
B Prime plus .50% 3.75%
C Prime plus 1% 4.25%
D Prime plus 2% 5.25%

Construction Loans (80% of appraisal)

Term 12 months Fixed Rate 80% of appraisal 
A- 6.50% C- 8.00%
B- 7.00% D- 9.00%

*APR = Annual Percentage Rate

**Rates may be lower based on individual member product and/or services utilized.

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