Loan Rates
Loan rates as of: February 1, 2025
New*
Annual Percentage Rate as Low as 5.00%
Used Cars*
Annual Percentage Rate as Low as 6.75%
*Based on NADA retail value
The monthly payment per $1,000 borrowed at 5.00% for 36 months is $31.51
First Mortgage
2nd Fixed Rate Mortgage
Annual Percentage Rate as Low as
5 Years
6.25% payment per $1000 borrowed is $20.14
10 Years
7.25% payment per $1000 borrowed is $12.00
15 Years
8.75% payment per $1000 borrowed is $9.63
The payments do not include amounts for taxes and insurance premiums, if applicable, and the actual payment obligation will be greater.
HELOC
Debt Consolidation Loans
Annual Percentage Rate as Low as 12.99%
The monthly payment per $1,000 borrowed at 12.99% for 48 months is $28.84.
Personal Loans
Annual Percentage Rate as low as for 12.99%
Vacation Loans
Annual Percentage Rate as Low as
Only available March 1–September 30 at a special fixed rate
Maximum $3,500 / 12 Months with Share Draft Account (Checking)
Maximum $3,500 / 12 Months with Share Draft Account (Checking)
12.99%
Holiday or Christmas Loans
Annual Percentage Rate as Low as
Maximum $3,500 / 12 Months with Share Draft Account (Checking)
12.99%
Maximum Amount of Loans
Unsecured Personal
$25,000.00 Maximum Term 60 months
New Cars, Used Cars
$100,000.00 Maximum Term 84 months
Share Pledge Loans
Equal to the amount in the Regular Shares Account
Debt Consolidation
Maximum $25,000.00 as low as 12.99% for 60 months
Vacation Loans
Mar.–Aug.- Maximum $3,500.00- Terms 12 months- 12.99%
Christmas Loans
Sept.– Feb.- Maximum $3,500- Terms 12 months- 12.99%