Loan Rates

Current Rates as of January 4, 2017

  • APR: Annual Percentage Rate
  • APY:  Annual Percentage Yield
Automobile Loans**
Term New Cars Used Cars
Up to 84 months as low as 1.99% APR as low as 1.99% APR
Terms of repayment: 60 monthly payments of $17.64 per $1,000 borrowed 72 monthly payments of  $15.19 per $1,000 borrowed

** The rate you pay will be determined by the term of the loan and your credit history available on approved credit

Personal Loans** 
Term APR* Terms of Repayment
Up to 24 Months  as low as 9.00% 24 monthly payments of $45.68 per $1,000 borrowed.
Up to 48 Months as low as 11.00% 48 monthly payments of $25.85 per $1,000 borrowed.

*APR = Annual Percentage Rate
** The rate you pay will be determined by the term of the loan and your credit history available on approved credit

Home Equity Loans: (property insurance is required)
Term APR* Terms of Repayment
5 Years 2.75% 60 monthly payments of $18.20 per $1,000 borrowed.
10 Years 3.75% 120 monthly payments of $10.37 per $1,000 borrowed.
15 Years 4.75% 180 monthly payments of $8.18 per $1,000 borrowed.
15 Years 4.50% (If in 1st position)

*APR = Annual Percentage Rate

Home Equity Line of Credit
 17 Years  1/2% below Prime, adjustable  Interest only first 7 years
  Rate Floor:  3 %
APR Ceiliing: 18% APR
Principal & Interest Years 8-15
  Prime Rate as of 1/4/2017 = 3.75%
Share Secured Loans
Rate Example of repayment
3% over current share/certificate rate.   A $1,000 share secured loan, for a 12 month term based on a loan rate of 3.30% APR would have a repayment of $84.96 per month.