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Loan Rates Effective March 18, 2024

Personal and Auto
Loan Options Terms APR* Min. Loan
Personal (Signature) Loans

Up to  5 Years

8.15% Sale! 7.40% 

$500

New & Used Vehicles

2-3 Years

5.45%

$500

New & Used Vehicles

4 Years

5.65%

$500

New & Used Vehicles

5 Years

5.74%

$500

New & Used Vehicles

6 Years

6.74%

$500

Personal Line of Credit

Revolving

12.65% Variable

$500

Share Certificate Secured

Up to 120 mos

Secured Savings Rate + 2%

$500

SpendFlex Up to 9 mos 15.00% $80

 

VISA Credit Card
Terms VISA Platinum VISA Platinum Rewards
Limit

$25,000

$25,000

Annual Percentage Rate On Purchases

14.15%  Variable

12.24%  Variable

Annual Percentage Rate On Balance Transfers

14.15%  Variable

12.24%  Variable

Minimum Payment

3% of Balance or $25

3% of Balance or $25

Grace Period for Repayment Of Balance of Purchase

25 days

25 days

Method of Computing the Balance of Purchases

Average Daily Balance including current transaction

Average Daily Balance including current transaction

Annual Fee

No Annual Fee

No Annual Fee

Late Fee (10 days after Due Date)

$25

$25

Balance Transfer Fee

No Balance Transfer Fee

No Balance Transfer Fee

Cash Advance Fee

3% 

3%

Rewards  

1.5% Cash Back

Cash back rewards are net of returns and exclude cash purchases such as PIN-based purchases and purchases of travelers checks, money orders, etc.. 

Up to 120 mos

Mortgage
Mortgage

Rate

APR*
7/6 Adjustable Rate Mortgage
5.875%
7.120%
Conventional 10 Year Fixed Rate
5.737%
6.309%
Conventional 15 Year Fixed Rate
5.812%
6.216%
Conventional 30 Year Fixed Rate
6.561%
6.812%
FHA 30 Year Fixed Rate
5.949%
6.699%

All stated mortgage rates are effective as of 3/18/2024 and are based on a home purchase transaction of $250,000, a minimum down payment of $50,000, a loan amount of $200,000 and repayments term as stated.  The stated APR is the lender’s standard rate for a borrower with a 750 credit score.  The actual rate may vary depending upon each individual’s credit history and transaction specific underwriting factors.  30-year term = 360 months and applies to 30 year conventional and FHA loans.  15-year term = 180 months and applies to 15 year conventional loans.  10-year term = 120 months and applies to 10 year conventional loans.  All loan programs, rates, terms and conditions are subject to change at any time without notice.  Rate scenarios are based on a 30-day lock.  

Apply for a Mortgage

Home Equity Lines Of Credit (HELOC)

  • 10-year Draw Period plus 5-year Repayment Period
  • Maximum Annual Percentage Rate of 18.00%
  • Minimum Loan of $10,000
  • Maximum Loan of $200,000
  • Typical Closing Costs Are Between $800 - $3,200
Home Equity Lines Of Credit (HELOC)
Loan to Value Current Rate Margin Floor
Less than 90% LTV

7.990%

WSJ Prime -0.510%

2.990%

Fixed Rate Second Trust

  • Up to 15 year loan term
  • Minimum Loan of $10,000
  • Maximum Loan of $200,000
  • Typical Closing Costs Are Between $800 – $3,200
Fixed Rate Second Trust
Second Trust Term and LTV (Loan to Value) APR*
15 year term, Up to 90% LTV

7.930%

7 year term, Up than 90% LTV

6.430%

* APR is Annual Percentage Rate. Rates are subject to change and based on creditworthiness. Other rates may apply.

 

Apply for a Loan