Loan Rates
All loan rates are quoted as an annual percentage rate (APR)*.
Rates, terms and conditions are subject to change and may vary based on creditworthiness, qualifications and collateral conditions.
**A sample of a repayment schedule does not include taxes and insurance premiums. All loans are subject to approval. Sample repayment schedule: 66 monthly payments of $8.44 at 2.94% APR per $1,000.00 borrowed.
CARS, TRUCKS, CYCLES, CAMPERS, AND BOATS
Effective: September 7, 2023
Actual rates may be higher based on your credit history.
| Amount/Term | Rate | APY | |
|---|---|---|---|
| 24, 23, 22 | CALL FOR TERM | AS LOW AS 7.15% | 7.15% |
| 21, 20 | CALL FOR TERM | AS LOW AS 7.45% | 7.45% |
| 19, 18, 17 | CALL FOR TERM | AS LOW AS 7.75% | 7.75% |
| 16 and Older | CALL FOR TERM | AS LOW AS 8.00% | 8.00% |
OTHER TYPES OF RV’S
Effective: June 20, 2023
Actual rates may be higher based on your credit history.
| Amount/Term | Rate | APY | |
|---|---|---|---|
| SKI JETS, SNOWMOBILES, ATVS | 60 MONTHS MAXIMUM | VEHICLE RATES PLUS 1% | – |
COLLATERALIZED (TITLE) LOANS
Effective: September 7, 2023
Actual rates may be higher based on your credit history.
| Amount/Term | Rate | APY | |
|---|---|---|---|
| SECURED WITH TITLED COLLATERAL | MODEL YEAR 2024-2022 | AS LOW AS 7.15% | 7.15% |
| SECURED WITH TITLED COLLATERAL | MODEL YEARS 2021- 2020 | AS LOW AS 7.45% | 7.45% |
| SECURED WITH TITLED COLLATERAL | MODEL YEARS 2019-2017 | AS LOW AS 7.75% | 7.75% |
| SECURED WITH TITLED COLLATERAL | MODEL YEARS 2016 and Older | AS LOW AS 8.00% | 8.00% |
FIRST MORTGAGE LOANS
Effective: February 1, 2022
Actual rates may be higher based on your credit history.
| Amount/Term | Rate | APY | |
|---|---|---|---|
| FIXED RATE IN HOUSE LOANS | 30, 20 , 15 , 10 or 5 YRS 80% LTV | CALL FOR RATE | – |
| SECONDARY MARKET | CALL FOR DETAILS | CALL FOR DETAILS | – |
HOME EQUITY LOANS
Effective: September 7, 2023
FIXED RATE HOME EQUITY LOANS.
Call For Rates, Details and Terms.
Actual rates may be higher based on your credit history.
SHARE AND CERTIFICATE BACKED LOANS
Effective: June 20, 2023
Actual rates may be higher based on your credit history.
| Amount/Term | Rate | APY | |
|---|---|---|---|
| CERTIFICATE LOAN | MATURITY OF CERTIFICATE | CALL FOR RATE | – |
| SHARE SECURED | 48 MONTHS | CALL FOR RATE | – |
UNSECURED LOANS
Effective: September 7, 2023
Actual rates may be higher based on your credit history.
| Amount/Term | Rate | APY | |
|---|---|---|---|
| CLOSED END SIGNATURE | 1 YR AND UNDER | AS LOW AS 9.95% | 9.95% |
| CLOSED END SIGNATURE | OVER 1 YR | AS LOW AS 9.95% | 9.95% |
| OPEN END SIGNATURE | 24 MONTH REVIEW | AS LOW AS 11.00% | 11.00% |
OTHER SHARE SAVINGS
| Fee | |
|---|---|
| NSF RETURN ITEM | $10.00 |
| NSF RETURN ITEM | $23.00 |
| PHOTOCOPY OF CHECK | $5.00 |
| STOP PAYMENT OF CHECK | $12.00 |
| ACH/EFT REVOKE | FREE |
| TELLER CHECK (OTHER PARTY) | $1.00 |
| CASHIERS CHECK | $3.00 |