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Our Loan APRs

Automobile & Motorcycle

APR – New and Used
as low as 3.99% for 0-36 months
as low as 4.49% for 37-60 months
as low as 4.99% for 61-84 months


as low as 2.49% – Share Secured
as low as 6.25% – Other Secured


Loan TypeAPR
Unsecured 12 months maxAs low as 7.99% APR
Unsecured 13-48 months maxAs low as 8.45% APR
Debt Consolidation 12 months maxAs low as 9.50% APR
Debt Consolidation 13-48 months maxAs low as 11.24% APR
Paycheck Plus 6 months max20.00% APR
$20 Application Fee
Overdraft Line of Credit14.00% APR

Restrictions may apply.


New – 0-60 months, as low as 5.74% APR
New – 61-180 months, as low as 6.24
Used – 0-60 months, as low as 6.24% APR
Used – 61-180 months, as low as 7.24% APR

Recreational Vehicle

New – As low as 5.74% APR
Used – As low as 6.24% APR
Title or UCC1
60 Months Max, As low as 6.25%
New – 0-60 Months, As low as 5.74% APR
New – 61-180 Months, As low as 6.24% APR
Used – 0-60 Months, As low as 6.24% APR
Used – 61-180 Months, As low as 7.24% APR

** All rates subject to change

Home Improvement

Loan TermAPRMaximum Amount
10 years4.57% APR *promotional rate shown$150,000
7 years4.47% APR *promotional rate shown$150,000
5 years4.37% APR *promotional rate shown$150,000


Loan TermAPR
15 Years Fixed4.62% APR *promotional rate shown
30 Years Fixed5.39% APR *promotional rate shown

Private Mortgage Insurance (PMI) is required when LTV is greater than 80%. Requires initial approval from PMI vendor.  Call for more details.

Share Certificates

Share Certificate dividends are paid on the last day of the month, as per the terms of the individual certificate. Share Certificate rates for new purchases change weekly.

Share Certificate TermDividend RateAPY
6 Months0.05%0.05%
9 Months0.10%0.10%
12 Months0.10%0.10%
24 Months0.15%0.15%
36 Months0.15%0.15%


Dividends are paid to savings accounts and club accounts on the last day of March, June, September, and December.  Our Board of Directors sets the dividend rates quarterly.

Share TypesDividend RateAPY
Primary Share 00.05% APY0.05% APY
Secondary Savings 3, 5, 80.05% APY0.05% APY
Christmas Club0.10% APY0.10% APY
Vacation Club0.10% APY0.10% APY
Share Draft CheckingNon-EarningNon-Earning

VISA Credit Card

Card TypeAPR
Rewards VISA Signature6.00% APR
Platinum Rewards VISA13.80% APR
Platinum VISA18.00% APR

Fees may reduce earnings on accounts and rates may change after the account is open. Dividends will be forfeited if the member closes the account before accrued dividends are credited. Please visit the “fee and free service schedule” for fees associated with accounts.

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