Rates


  • LOAN RATES

    Effective as of: January 1, 2019
    Type APR*
    Share Secured 2.00%
    Share/Signature 4.50% - 6.50%
    Signature Loans 3.50% - 9.00%
    New Auto 100% Financing 2.75% - 5.25%
    New Auto 90% Financing 2.50% - 4.75%
    Used Auto 90% Financing
    Rates are determined by the repayment terms
    5.00% - 6.50%
    Education Loan
    Must provide proof of classes
    4.00%
    Solar Heater Loan 4.50%
    Photovoltaic Loans
    Rates are determined by the repayment terms
    Loan proceeds to be paid directly to contractor.
    3.50% - 4.50%
    Vacation Loans
    Must provide travel itinerary
    5.00%
    HELOC
    Introductory Rate for 1st Year
    1.00%
    Discounted Rate for years 2 and 3 4.50%

    Variable Rate HELOC: The Annual Percentage Rate (APR) for new and existing balances will be the 5 Year Treasury (Index), rounded to the next higher 0.125%, plus a Margin of 2.50%. We will use the most recent Index value available to us as of 30 days prior to any annual percentage rate adjustment. The APR will change annually on the first day of the month following your anniversary date to reflect any change in the Index. The APR will never be less than 4.50%. The APR will never be greater than 18.00% or the maximum rate allowed by law, whichever is less. Any increase in the APR will result in a higher payment.
    You will be charged interest from the transaction date.
    Late Charge: 5.00% of Payment Amount
    You must carry insurance on the property that secures this plan. If the property is located in a Special Flood Hazard Area we will require you to obtain flood insurance if it's available.

  • Share RATES

    Effective as of: January 1, 2019
    Type APY**
    Share 0.30%

    Minimum Balance to earn 0.30% APY** is $100.00 Rates may change after account is opened
    APY** is accurate as of 01/01/19
    Fees could reduce earnings on your share account
    Rates are subject to change without notice.