Loan Rates

Loan Rates as of December 31, 2013

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

 New and Used Auto, New RV (2006 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)  7.90% – 14.90%

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  8.00% – 15.00%
48 months  8.50% – 15.50%
60 months  9.25% – 16.25%
72 months (over $25,000)  9.75% – 16.75%

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  6.00%
Certificate- Adjustable Rate  2.00% Above Certificate Rate

Mobile Home with Land 

Term APR*
Up to 120 months Available Upon Request

Mortgage Loans — Available Upon Request

Home Equity Lines of Credit — Available Upon Request


Construction Loans (80% of appraisal)

Term APR*
12 months Fixed Rate  6.50% – 9.00%

*APR = Annual Percentage Rate

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

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