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Loan Rates

Loan Rates

New and Used Vehicle Loans (cars, trucks, SUVs, etc...)
Effective Date: Monday, February 27th, 2017
Model Year(s)RatesTerms Available (in months)Minimum Loan Amount for TermMileage Restrictions
2017-2009 and older 3.80% to 9.30%* 00-63 $7,000 100,000 or less
    64-66 $10,000 100,000 or less
    67-75 $15,000 100,000 or less
    76-84 $20,000 100,000 or less

Boat and Mortorcycle Loans
Effective Date: Monday, February 27th, 2017
Model Year(s)RatesTerms Available (in months)Minimum Loan Amount for TermMileage Restrictions
2017-2009 and older 5.50% to 11.45%* 00-63 $7,000 100,000 or less
    64-66 $10,000 100,000 or less
    67-75 $15,000 100.000 or less
    76-84 $20,000 100,000 or less

Recreational Vehicle Loans (motor coaches, fifth wheels, campers, etc. . .)
Effective Date: Monday, February 27th, 2017
Model Year(s)RatesTerms Available (in months)Minimum Loan Amount for TermMileage Restrictions
2017-2009 4.25% to 17.30%* 00-48 $10,000 100,000 or less
    49-59 $10,000 100,000 or less
    60-71 $10,000 100.000 or less
    72-83 $17,000 100.000 or less
    84-95 $20,000 100.000 or less
    96-119 $25,000 100.000 or less
    120-143 $30,000 100.000 or less
    144 $35,000 100.000 or less

Home Equity Line of Credit
Effective Date: Monday, February 27th, 2017
Loan to Value (LTV)Terms and Draw PeriodsRates
Up to 80% LTV up to 20 years/12 year draw period Prime + 0.00%^
81% to 90% LTV up to 20 years/12 year draw period Prime + 2.00%^
91% to 95% LTV up to 20 years/12 year draw period Prime + 4.00%^
Now offering a 2.25% APR^ 12-month introductory rate!

Home Equity Loan
Loan to Value (LTV)Terms (in months)Rates
Up to 80% LTV 36 - 120 not available
81% to 90% LTV 36 - 120 not available
91% to 95% LTV 36 - 120 not available
We are not offering home equity loans at this time. We do offer home equity lines of credit.

Fresh Start Saver Loan
Effective Date: Monday, February 27th, 2017
Loan AmountRate (APR)Terms (in months)Payment Amount
$500.00 10.00%* 12 $43.97
$1,000.00 10.00%* 12 $87.94
$2,000.00 10.00%* 12 $175.87

Personal/Unsecured Loans and Lines of Credit
Effective Date: Monday, February 27th, 2017
These types of loans do not require any kind of collateral and the amount you can borrow is based on your credit history and income level.
Loan TypeRatesMaximum Loan Amount
Personal/Unsecured Loan 9.00% to 18.00%* $25,000.00
Personal/Unsecured Line of Credit 9.00% to 18.00%* $25,000.00

PC and Vacation Loans
Effective Date: Monday, February 27th, 2017
If you don't want to put that new computer or that dream vacation on a credit card, then these loan options provide competitive rates and terms.
Loan TypeRatesMaximum Loan Amount
PC/Computer Loan 10.00%* varies by applicant
Vacation Loan 10.00%* varies by applicant

Share and CD Secured Loans
Effective Date: Monday, February 27th, 2017
These loan types allow you to borrow against the funds you have in savings, checking or a CD. This can be a great way to get quick access to cash without making a withdrawal.
Loan TypeRatesMaximum Loan Amount
Shares Secured Loan dividend rate + 3.00%* up to 100% of the available account balance
CD Secured Loan dividend rate + 3.00%* Up to 90% of the amount of the CD balance

Mortgage Rates
Effective Date: Monday, February 27th, 2017
RateAnnual Percentage RatePoints
10 Year Fixed Rate
This loan is amortized for a period up to 10 years. The maximum LTV is 97%.
Term: 10 years Maximum Amount: $500,000
3.500%** 3.500%** 0.00%
5/1 ARM
This loan has a fixed rate for the first 5 years and can be amortized for up to 30 years.
Term: 30 years Maximum Amount: $500,000
3.625%** 3.625%** 0.00%
7/1 ARM
This loan has a fixed rate for the first 7 years and can be amortized for up to 30 years.
Term: 30 years Maximum Amount: $500,000
3.875%** 3.875%** 0.00%
10/15 ARM
This loan has a fixed rate for the first 10 years and can be amortized for up to 15 years.
Term: 15 years Maximum Amount: $500,000
3.875%** 3.875%** 0.00%
10/1 ARM
This loan has a fixed rate for the first 10 years and can be amortized for up to 30 years.
4.125%** 4.125%** 0.00%

Visa Platinum Rates
Effective Date: Monday, February 27th, 2017
NameRate
Regular Visa Platinum 8.75% APR to 14.75% APR*
Rebate Visa Platinum 9.75% APR to 15.75% APR*
Rewards Visa Platinum 9.75% APR to 15.75% APR*

Click here to access our regular Visa Platinum disclosure. Click here to access our Visa Platinum Rebate and Rewards disclosure. Visa Platinum rate is based on Prime as listed in the Wall Street Journal and is subject to change quarterly. No annual fee. Maximum line of credit is $50,000.00. Loans are subject to approval criteria, not all applicants will qualify.

*Rates will vary based on credit worthiness and other factors. Loans are subject to approval criteria, not all applicants will qualify. A $20,000.00 new vehicle loan with a term of 60 months at 3.70% APR will have a payment of $365.68.

^2.25 APR is for a period of 12 months. On the 13th month the rate will revert to the one for which you qualify. Payments are approximately $84.27 per $1,000 borrowed for 12 months at 2.25% APR. Home Equity Lines of Credit rates are based on Prime as listed in the Wall Street Journal and is subject to change quarterly. Maximum term is 240 months. Loans are subject to approval criteria, not all applicants wiill qualify.

**Rates are for mortgage loans with an LTV of 97% or less. Payments for a 10-year fixed first-mortgage loan at 3.50% APR are approximately $9.89 per thousand borrowed. Excludes taxes and insurance. Loans are subject to approval criteria, not all applicants will qualify.

All loans, rates, terms and conditions are subject to change at any time without notice. Call us at 901.380.7400 for current rates, terms and conditions.

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