Loan Rates Effective January 21, 2021
Loan Options | Terms | APR* | Min. Loan |
---|---|---|---|
Personal (Signature) Loans |
Up to 5 Years |
6.15% |
$500 |
New & Used Vehicles |
2-6 Years |
2.10%** |
$500 |
Personal Line of Credit |
Revolving |
7.40% Variable |
$500 |
Share Certificate Secured |
Up to 120 mos |
Secured Savings Rate + 2% |
$500 |
** Higher rates apply for terms over 5 years. Vehicle age limits apply.
Terms | VISA Platinum | VISA Platinum Rewards |
---|---|---|
Limit |
$25,000 |
$25,000 |
Annual Percentage Rate On Purchases |
8.90% Variable |
6.99% Variable |
Annual Percentage Rate On Balance Transfers |
8.90% Variable |
6.99% 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% |
|
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..
Mortgage |
Rate |
APR* |
---|---|---|
7/1 Adjustable Rate Mortgage |
2.325% |
3.254% |
Conventional 10 Year Fixed Rate |
2.750% |
2.961% |
Conventional 15 Year Fixed Rate |
2.625% |
2.774% |
Conventional 30 Year Fixed Rate |
3.000% |
3.085% |
FHA 30 Year Fixed Rate |
2.250% |
3.036% |

NMLS 404966
All stated mortgage rates are effective as of 01/21/21 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.
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
Loan to Value | Current Rate | Margin | Floor |
---|---|---|---|
Less than 90% LTV |
2.990% |
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
Second Trust Term and LTV (Loan to Value) | APR* |
---|---|
15 year term, Up to 90% LTV |
4.625% |
7 year term, Up than 90% LTV |
3.125% |
* APR is Annual Percentage Rate. Rates are subject to change and based on creditworthiness. Other rates may apply.