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Loan Rates

Loan Rates

Loan Rates

Vehicle Loans
Effective Date: Saturday, May 25th, 2024
Loan TypeRates as low asTerms up to
New & Used Autos 6.30% APR* 84 months
Boats & Motorcycles 10.35% APR* 84 months
Recreational Vehicles 10.10% APR* 144 months

Home Equity Line of Credit Rates
Effective Date: Saturday, May 25th, 2024
Loan to Value (LTV)Terms and Draw PeriodsAPR
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%^

Home Equity Loan
Loan to Value (LTV)Term up toRates
Up to 95% LTV 120 months 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: Saturday, May 25th, 2024
Loan AmountAPRTerms (in months)
$500.00 to $2,000.00 10.00%* 12
APR = Annual Percentage Rate

Unsecured/Personal Loans and Lines of Credit Rates
Effective Date: Saturday, May 25th, 2024
Loan TypeRates as low as
Personal/Unsecured Loan 13.75% APR*
Personal/Unsecured Line of Credit 13.75% APR*
Vacation Loan 12.00% APR*

Mortgage Rates
Effective Date: Saturday, May 25th, 2024
NameRate
10 Year Fixed Rate Call for current rate
15 Year Fixed Rate Call for current rate
20 Year Fixed Rate Call for current rate
30 Year Fixed Rate Call for current rate
5/1 ARM Call for current rate
7/1 ARM Call for current rate
10/1 ARM Call for current rate
Medical Professionals Loan 10/1 ARM Call for current rate

Share and CD Secured Loan Rates
Effective Date: Saturday, May 25th, 2024
Loan TypeAPRMaximum 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

Credit Card Rates
Effective Date: Saturday, May 25th, 2024
NameAPR
Titanium/Edge 18.50% APR to 26.50% APR*
Platinum Flex/Rewards 16.50% APR to 24.50% APR*
Platinum Advantage 14.50% APR to 22.50% APR*

Click here to access our Visa Platinum Advantage disclosure. Click here to access our Visa Platinum Flex/Rewards disclosure or our Visa Titanium/Edge disclosure. All card rates are 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. For example, a $20,000.00 new auto loan with a term of 60 months at 3.70% APR will have a payment of $365.68. Equal Opportunity Lender.

 ^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 will qualify. Maximum APR is 18.00%. 

**Rates are for mortgage loans with an LTV of 95% or less. Excludes taxes and insurance, your payment may be different. Loans are subject to approval criteria, not all applicants will qualify. Payment Example: A 10 year fixed first mortgage loan with a 3.00% APR will have a payment of approximately $9.66 per thousand, which does not include insurance and taxes. Your payment may vary.

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

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