Loan Rates

Loan rates as of: September 2023

New or Used Cars*
Annual Percentage Rate as Low as 3.99%

*Based on NADA retail value
Rates quoted include .25% discount with automatic payment
The monthly payment per $1,000 borrowed at 3.99% for 36 months is $29.62
Rates quoted include .25% discount with automatic payment


2nd Fixed Rate Mortgage
Annual Percentage Rate as Low as
5 Years
3.99% payment per $1000 borrowed is $18.41
10 Years
4.75% payment per $1000 borrowed is $10.48
15 Years
5.25% payment per $1000 borrowed is $8.03

The payments do not include amounts for taxes and insurance premiums, if applicable, and the actual payment obligation will be greater.


Debt Consolidation Loans
Annual Percentage Rate as Low as 8.49%

The monthly payment per $1,000 borrowed at 8.74% for 48 months is $24.81. Rate quoted reflects a .25% discount for automatic payment.


Personal Loans
Annual Percentage Rate as Low as 8.49%

Vacation Loans
Annual Percentage Rate as Low as
Only available March 1–September 30 at a special fixed rate
Maximum $3,500 / 12 Months with Share Draft Account (Checking)
9.50%
The monthly payment per $1000 borrowed at 9.50% for 12 months is $87.70. Rates quoted include .25% discount with auto-deduct from a Share Draft Account (checking account)


Holiday or Christmas Loans
Annual Percentage Rate as Low as
Maximum $3,500 / 12 Months with Share Draft Account (Checking)
9.50%
The monthly payment per $1000 borrowed at 9.50% for 12 months is $87.70. Rates quoted include .25% discount with auto-deduct from a Share Draft Account (checking account)


Maximum Amount of Loans

Unsecured Personal
$25,000.00 Maximum Term 72 months
New Cars, Used Cars
$75,000.00 Maximum
Share Pledge Loans
Equal to the amount in the Regular Shares Account
Debt Consolidation
Maximum $25,000.00 as low as 8.49% for 48 months with automatic payment from a share draft account
Debt Consolidation
Maximum $25,000.00 as low as 9.99% for 72 months with automatic payment
Vacation Loans
Mar.–Aug.- Maximum $3,500.00- Terms 12 months- 9.50%, with automatic payment
Christmas Loans
Sept.– Feb.- Maximum $3,500- Terms 12 months- 9.50%, with automatic payment

Share and Loan rates subject to change without notice. APR Annual Percentage Rate Aggregate amount of Unsecured Loans, including Visa Limit, may not exceed $25,000.00