Loan Rates Effective June 19, 2018

 

Loan Options

Terms

APR*

Min. Loan

Personal (Signature) Loans

Up to  4 Years

5.40% New Branch Special through 6/30/18!

$500

New & Used Vehicles

2-6 Years

2.90%**

$500

RVs & Motorcycles

2-5 years

2.90%

$500

Boat Loan

7 Years

Auto Loan Rate + 5.00%

$500

Overdraft Protection Line of Credit

Revolving

15.00%

$500

Share Certificate Secured

Up to 120 mos

Secured Savings Rate + 2%

$500

Rates are subject to change and based on a review of credit history. Other rates may apply.
* APR is Annual Percentage Rate.
** Higher rates apply for terms over 5 years. Vehicle age limits apply.

VISA Credit Card Loan Rates

 

VISA Platinum

VISA Platinum Rewards

Limit

$25,000

$25,000

Annual Percentage Rate On Purchase

10.65%  Variable

8.74%  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

Home Equity Lines Of Credit (HELOC)

  • Up to 15 year loan term with a 5 year draw period
  • The highest Annual Percentage Rate (APR) Could Be 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

4.49%

WSJ Prime -.51

2.99%

91%-100% LTV

5.49%

WSJ Prime +.49

3.99%

Fixed Rate Second Trust Loans

  • Up to 15 year loan term
  • Minimum Loan of $10,000
  • Maximum Loan of $100,000
  • Typical Closing Costs Are Between $800 – $2,000.

Second Trust Maximum Loan or LTV (Loan to Value)

APR*

15 year term, Less than 80% LTV

5.24%

15 year term, 80% to 90% LTV

5.24%

15 year term, 90% to 100% LTV

7.24%

7 year term, Less than 90% LTV 3.75%

* Annual Percentage Rate

See Mortgage Page for First Mortgage Rates