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Loan Rates

Loan Type

           APR*            as low as

New and Used Car, Truck, Motorcycle, Boats & RV’s

5.50%

Signature/Personal Loans

7.50%

Share Draft Line of Credit

13.00%

Share Secured

**

Certificate Secured

3% above Certificate Rate

Stock Secured
50% of Stock Value***

5.75%

Home Equity Line of Credit

****Prime Rate + .25%

Closed End Second Mortgage

5.99%

Visa Classic Credit Card
Visa Platinum Credit Card

9.90%
8.90%

* Your Annual Percentage Rate may vary based on your individual credit file.
** The Annual Percentage Rate (APR) will be a variable rate set at 3.00% above the dividend rate being paid on the share account at the time the loan is granted. The rate will be adjusted monthly on the first day of each month to 3.00% above the dividend rate being paid on the share account on the first day of the month.
***Price As Listed in the Wall Street Journal. The Annual Percentage Rate may vary.
****Variable Rate-Prime rate plus .25%; adjusted quarterly

NOTE: Loan rate may be reduced by 1/4 of 1.00% with direct deposit of your net paycheck into a regular share draft account or 1/2 of 1.00% if you have direct deposit into a Super Share Draft Account (excluding Share Secured, Certificate Secured, First Mortgage, Home Equity Line of Credit Loans, Visa Credit Cards and Special Loan Promotions).

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