| VEHICLE LOANS | YEAR | APR | TERM |
|---|---|---|---|
| New/Used Car, Truck or Motorcycle | 2016-2021 | 3.99% | 1- 4 years |
| New/Used Car, Truck or Motorcycle | 2016-2021 | 4.99% | 5 years |
| New/Used Car, Truck or Motorcycle | 2016-2021 | 5.49% | 6 years |
| New/Used Car, Truck or Motorcycle | 2019-2021 | 5.99% | 7 years |
| New/Used Car, Truck or Motorcycle | New Only * | 6.49% | 8 years |
| * New = Current model year or newer < 2500 miles | |||
| RECREATIONAL VEHICLES | YEAR | APR | TERM |
|---|---|---|---|
| Boats-RV-ATV-Snowmobile-Jet Ski | 2016-2021 | 3.99% | 1-4 years |
| Boats-RV-ATV-Snowmobile-Jet Ski | 2016-2021 | 4.99% | 5 years |
| Boats-RV-ATV-Snowmobile-Jet Ski | 2016-2021 | 5.49% | 6 years |
| Boats-RV-ATV-Snowmobile-Jet Ski | 2016-2021 | 5.99% | 7 years |
| Boats-RV-ATV-Snowmobile-Jet Ski | New Only | 6.49% | 8 years |
| Boats-RV | Any year | 7.49% | 10 years * |
| * Minimum for 10 year financing is $25,000 | |||
| UNSECURED LOANS | APR | TERM | |
|---|---|---|---|
| Overdraft Protection | 18.00% | Revolving | |
| Signature Line of Credit | 16.00% | Revolving | |
| Signature Loan | 8.50% | 1-5 years | |
| Tax Loans (tax payment/real estate) | 5.99% | 1-5 years | |
| Debt Consolidation Loans | 8.49% | 1-5 years | |
| * These are our posted rates; your rate could vary according to your credit. | |||
| OTHER SECURED LOANS | APR | TERM |
|---|---|---|
| Secured - Vehicles 2015 & Older < 100,000 miles | 6.49% | 1-4 years |
| Secured - Vehicles > 100,000 miles | 7.49% | 1-4 years |
| Secured - Tractors, Mowers, Other Equipment | 11.50% | 1-7 years |
| Share Secured | R+3.00% | 1-4 years |
| Share Certificate | R+3.00% | CD Term |
| * These are our posted rates; your rate could vary according to your credit. | ||
| CERTIFICATES | RATE | APY |
|---|---|---|
| 06 months | 0.70% | 0.702% |
| 12 months | 0.70% | 0.702% |
| 18 months | 0.75% | 0.753% |
| 24 months | 0.80% | 0.803% |
| 36 months | 0.90% | 0.904% |
| 48 months | 0.95% | 0.954% |
| 60 months | 1.00% | 1.005% |
| VISA CREDIT CARD | APR | Term | |
|---|---|---|---|
| VISA Credit Card | 12.00% | Revolving |
| ENERGY LOANS | APR | TERM |
|---|---|---|
| For any energy efficiency improvement | 4.99% | 1-3 years |
| 5.49% | 4 years | |
| 5.99% | 5 years |
| TIME NOTES | RATE | TERM | |
|---|---|---|---|
| Unsecured | 9.50% | 30-90 days | |
| Secured | Secured Rate | 30-90 days |
| HOME LOANS | RATE | TERM |
|---|---|---|
| Construction Loan | 6.00% | 1 year |
| Home Improvement Loan | 4.99% | 1-5 years |
| Home Equity Line of Credit | 6.00% | 5-15 years |
| Index: Wall Street Journal Current Prime Rate : 3.25% |
||
| Rates quoted "as low as" and subject to change according to your credit. | ||
| IRA CERTIFICATE (Effective 6/30/2020) | RATE | APY |
|---|---|---|
| 24 months | 0.80% | 0.803% |
| 36 months | 0.90% | 0.904% |
| 60 months | 1.00% | 1.005% |
| * APY is Annual Percentage Yield |
NCUA INSURED: Your savings is federally insured to at least $250,000 and backed by full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government Agency.