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Rates

Loan Limits

Type Limit
Signature $10,000.00 maximum - 20% of gross income ($12,000 with co-signer)
Secured $12,000.00 maximum
Vehicle $75,000.00 maximum
Home Equity $100,000.00 maximum

Home Equity

Term Rate
0 - 36 mos. 4.00% APR*
37 - 60 mos. 4.50% APR*
61 - 120 mos. 5.50% APR*
121 - 180 mos. CALL FOR RATE

Home Equity Open End

Rate
3.75% APR*

New Vehicles

Term Rate
12 mos. 1.25% - 6.00% APR*
24 mos. 1.25% - 6.25% APR*
36 mos. 1.50% - 7.00% APR*
48 mos. 1.75% - 7.75% APR*
60 mos. 2.00% - 8.75% APR*
72 mos. 2.50% - 9.00% APR*

Used Vehicles - 2016, 2015 NADA Book Price - 100% Financed

Term Rate
12 mos. 1.60% - 7.00% APR*
24 mos. 1.70% - 7.50% APR*
36 mos. 1.80% - 8.00% APR*
48 mos. 1.90% - 8.50% APR*
60 mos. 2.75% - 9.00% APR*
72 mos. 3.00% - 9.25% APR*

Used Vehicles - (2014 - 2013) NADA Book Price - 90% Financed

Term Rate
12 mos. 1.60% - 7.00% APR*
24 mos. 1.70% - 7.50% APR*
36 mos. 1.80% - 8.00% APR*
48 mos. 1.90% - 8.50% APR*
60 mos. 2.75% - 9.00% APR*

Used Vehicles - (2012 & older) NADA Book Price - 85% Financed

Term Rate
12 mos. 1.60% - 7.00% APR*
24 mos. 1.70% - 7.50% APR*
36 mos. 1.80% - 8.00% APR*

Credit Cards

Type Rate
VISA Classic Credit Card 11.00% APR*
VISA Platinum Card 8.90% APR*

Signature and Shared

Type Terms Rate
Signature Loans - Secured and Unsecured
(20% gross income) Cap of $10,000.00 ($12,000 with co-signer)
1 year 4.25% - 10.50% APR*
  2 years 4.50% - 11.50% APR*
  3 years 4.75% - 12.50% APR*
  4 years 5.00% - 13.50% APR*
  5 years 5.25% - 14.50% APR*
Signature Loans - 100% Share Secured 0 - 36 mos. 2.50% APR*
  37 - 72 mos. 3.50% APR*

Savings Rates

Type Daily Paid Quarterly
Share Savings .05% for $100.00 to $4,999.99
.07% for $5,000.00 and over
Christmas Clubs .05% .05%
Vacation Clubs .05% .05%
IRAs .75% .75% APY**
Share Draft/Checking 0.00% 0.00%
Share Certificates .35% APY**
.55% APY**

†New Home Equity limit $100,000.00 – not to exceed 80% equity.
Title Insurance required for loans of 100,000 or more.

*APR = Annual Percentage Rate

**APY = Annual Percentage Yield