Loan Rates
Effective as of: August 08, 2022
Member eligibility required.
To learn about our Lending Philosophy, click here.
New/Used Vehicle Loans (2016 and Newer)
2016-2018: Maximum 5 Year Term
2019-2020: Maximum 6 Year Term
2021-2023: Maximum 7 Year Term
|
3 Years |
3.50% |
3.50% |
Payment per $1,000 = $29.19 |
4 Years |
3.50% |
3.50% |
Payment per $1,000 = $22.36 |
5 years |
3.50% |
3.50% |
Payment per $1,000 = $18.20 |
6 years |
3.75% |
3.75% |
Payment per $1,000= $15.54 |
7 years |
4.00% |
4.00% |
Payment per $1,000 = $13.68 |
|
Vehicle Loans - Model Years (2007-2015)
2007-2009: Maximum 2 Year Term
2010-2012: Maximum 3 Year Term
2013-2015: Maximum 4 Year Term
|
2 years |
4.50% |
4.50% |
Payment per $1,000 = $43.66 |
3 years |
4.50% |
4.50% |
Payment per $1,000 = $29.75 |
|
First Mortgages (sold on the secondary market) |
15 years |
4.250% |
4.439% |
Payment per $1,000 = $7.53 |
20 years |
4.990% |
5.149% |
Payment per $1,000 = $6.67 |
30 years |
5.375% |
5.516% |
Payment per $1,000 = $5.60 |
*Important Loan Information
The information provided assumes the purpose of the loan is to purchase or refinance a property with a loan amount of $200,000 and an estimated property value of $250,000. An escrow/impound account will not be required. The property is an existing single family home and will be used as a primary residence. The rate lock period is 60 days and the assumed credit score is 700.
|
First Mortgages (in-house) |
5 years |
3.500% |
3.650% |
Payment per $1,000 = $18.20 |
10 years |
4.500% |
4.580% |
Payment per $1,000 = 10.37 |
15 years |
4.990% |
5.080% |
Payment per $1,000 = $7.91 |
20 years |
5.990% |
6.060% |
Payment per $1,000 = $7.17 |
30 years |
6.250% |
6.310% |
Payment per $1,000 = $6.17 |
|
First Mortgages Mobile Homes on full foundation |
10 years |
4.500% |
4.580% |
Payment per $1,000 = $10.37 |
15 years |
4.990% |
5.080% |
Payment per $1,000 = $7.91 |
20 years |
5.990% |
6.060% |
Payment per $1,000 = $7.17 |
30 years |
6.250% |
6.310% |
Payment per $1,000 = $6.17 |
|
First Mortgages Mobile Homes located on slab |
10 years |
4.500% |
4.580% |
Payment per $1,000 = $10.37 |
15 years |
4.990% |
5.080% |
Payment per $1,000 = $7.91 |
20 years |
5.990% |
6.060% |
Payment per $1,000 = $7.17 |
|
5-YR Balloon Mortgage |
Based on a 30 year amortization |
3.500% |
3.710% |
|
Construction Loans |
Max. term 12 months, interest only payments |
6.00% |
1 point required (maximum $2,000) |
|
Fixed Rate Equity Loan Second/Junior Mortgages |
5 years |
3.500% |
3.646% |
Payment per $1,000 = $18.31 |
8 years |
3.750% |
3.780% |
Payment per $1,000 = $12.08 |
10 years |
4.500% |
4.520% |
Payment per $1,000 = $10.37 |
15 years |
5.500% |
5.550% |
Payment per $1,000 = $8.18 |
20 years |
6.500% |
6.550% |
Payment per $1,000 = $7.46 |
|
Mobile Homes In A Park |
5 years |
5.500% |
5.550% |
Payment per $1,000 = $19.11 |
8 years |
5.750% |
5.780% |
Payment per $1,000 = $13.03 |
10 years |
5.990% |
6.010% |
Payment per $1,000 = $11.10 |
15 years |
6.500% |
6.520% |
Payment per $1,000 = $8.72 |
20 years |
6.990% |
7.000% |
Payment per $1,000 = $7.75 |
Camps/Vacation Homes |
10 years |
5.000% |
5.080% |
Payment per $1,000 = $10.61 |
15 years |
5.500% |
5.590% |
Payment per $1,000 = $8.18 |
20 years |
6.500% |
6.590% |
Payment per $1,000 = $7.46 |
Home Equity Lines of Credit |
Revolving |
Prime rate + 0%
|
1 1/2% of the outstanding balance as of last advance, or $50 whichever is greater. |
|
No Equity Home Improvement |
10 years |
5.950% |
6.072% |
Payment Per $1,000 = $11.08 |
1. 5.950% Fixed APR (Annual Percentage Rate) for a 10 year term.
2. 120 monthly payments of $11.08 per $1,000 borrowed.
3. Closing costs typically range from $100 - $150.
4. Maximum loan amount $20,000.
|
Land Loans |
8 years |
6.00% |
6.097% |
Payment per $1,000 = $13.14 |
10 years |
6.25% |
6.330% |
Payment per $1,000 = $11.23 |
15 years |
6.50% |
6.557% |
Payment per $1,000 = $8.71 |
Preferred Credit Line |
Revolving |
Prime + 3% |
2% of outstanding balance as of last advance, or $35 whichever is greater. |
|
Personal |
1 year |
4.99% |
4.99% |
Payment per $1,000 = $85.61 |
5 years |
7.99% |
7.99% |
Payment per $1,000 = $20.27 |
|
Checking Overdraft Protection |
open ended |
15.50% |
15.50% |
2% of outstanding balance, or $35 whichever is greater |
|
Motorhomes |
5 years |
5.50% |
5.50% |
Payment per $1,000 = $19.10 |
10 years |
5.95% |
5.95% |
Payment per $1,000 = $11.08 |
15 years |
6.50% |
6.50% |
Payment per $1,000 = $8.71 |
20 years |
6.50% |
6.50% |
Payment per $1,000 = $7.46 |
|
Tractors, Motorcycles, ATVs & Snowmobiles |
3 years |
5.95% |
5.95% |
Payment per $1,000= $30.40 |
4 years |
5.95% |
5.95% |
Payment per $1,000 = $23.46 |
5 years |
5.95% |
5.95% |
Payment per $1,000 = $19.31 |
Campers, Travel Trailers & Boats |
5 years |
5.50% |
5.50% |
Payment per $1,000 = $19.10 |
6-10 years |
5.95% |
5.95% |
Payment per $1,000 = $11.08 |
|
Business Real Estate Loans |
Fixed Rate |
15 years |
5.750% |
5.840% |
5-Year Balloon |
|
4.500% |
4.724% |
Line of Credit |
|
Prime + 1% |
|
Construction Loans |
|
7.00% |
1 point required |
Business Auto and Pickup Trucks (2016-2023) |
4 years |
3.50% |
3.50% |
Payment per $1,000 = $22.36 |
5 years |
3.50% |
3.50% |
Payment per $1,000 = $18.20 |
6 years |
3.75% |
3.75% |
Payment per $1,000 = $15.54 |
7 years |
4.00% |
4.00% |
Payment per $1,000 = $13.68 |
Business Equipment |
5 years |
6.00% |
6.00% |
Payment per $1,000 = $19.34 |
10 years |
6.25% |
6.25% |
Payment per $1,000 = $11.23 |
|
Business Heavy Equipment - Group 1** |
5 years |
4.49% |
4.49% |
Payment per $1,000 = $18.64 |
10 years |
5.00% |
5.00% |
Payment per $1,000 = $10.61 |
15 years |
5.00% |
5.00% |
Payment per $1,000 = $7.91 |
|
Business Heavy Equipment - Group 2** |
5 years |
5.25% |
5.25% |
Payment per $1,000 = $18.99 |
10 years |
5.50% |
5.50% |
Payment per $1,000 = $10.86 |
15 years |
5.75% |
5.75% |
Payment per $1,000 = $8.31 |
|
Share Pledged Loan Against Regular Share Account |
5 years |
2.50% |
2.50% |
Payment per $1,000 = $17.75 |
10 Years |
2.75% |
2.75% |
Payment per $1,000 = $10.01 |
15 Years |
2.75% |
2.75% |
Payment per $1,000 = $7.40 |
Share Pledged Loan Against Money Market Account |
5 years |
2.75% |
2.75% |
Payment per $1,000 = $17.86 |
10 years |
3.00% |
3.00% |
Payment per $1,000 = $10.01 |
15 years |
3.00% |
3.00% |
Payment per $1,000 = $7.40 |
Share Pledged Loan Against Certificate |
5 years |
3.25% |
3.25% |
Payment per $1,000 = $18.09 |
10 years |
4.25% |
4.25% |
Payment per $1,000 = $10.25 |
15 years |
4.74% |
4.74% |
Payment per $1,000 = $7.78 |