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Current Rates

Accurate as of 05/06/2022
Rates are subject to change without notice and subject to credit approval.
APR = Annual Percentage Rate
Rates are based on an evaluation of credit history and other factors specific to your loan and may be higher than the lowest rate advertised.

Auto Fixed Rate APR
New & Used Autos/Trucks 1.99%* to 17.90%

*Rates reflect possible .50% discount based on services used. All loans subject to approval.

Recreational Fixed Rate APR
Boats & RVs 3.49%* to 17.90%
Motorcycles, Jet Skis, Watercraft, Snowmobiles, ATVs 3.49%* to 17.90%

*Rates reflect possible .50% discount based on services used

Home Equity Lines of Credit Variable Rate APR
HELOC 4.25%* to 9.75% up to 90% LTV

*Rates reflect possible 0.50% discount based on services used

Terms

  • HELOC has a 10-year draw period that is interest payments only. When an outstanding balance exists, there will be a minimum monthly payment of $75, unless that is greater than the total amount owed.
  • Transfer balances at any time during draw period to a fixed-rate loan, with terms up to 15 years.
  • Balance remaining at end of draw period is automatically converted to a 15-year variable-rate loan. During this repayment period, the balance may be converted to a fixed-rate loan, so long as the term doesn’t extend beyond the original maturity date of the loan.
  • Rates, terms, and conditions are subject to change without notice.
  • HELOC rate based on prime rate plus margin from 0.25% to 5.75%, with relationship discounts. Prime assessed quarterly.
  • HELOC variable rate will not exceed 18.00% APR and will not be lower than 2.99% APR.
  • Rates for investment property are 2.00% higher than the published rate for the HELOC and subject to all fees and costs.
  • Closing costs typically limited to appraisal for HELOC.
  • For loan amounts over $250,000 or internal refinances within one year, member is responsible for paying all closing costs, which typically include: appraisal, title, tax tracking, credit report, and flood fees. Other fees may apply, and terms are subject to change.
  • No annual fee.

Fixed-rate terms

  • You may convert all or a portion of your outstanding HELOC variable-rate balance to a fixed-rate option.
  • The rate for a fixed-rate option varies from 5.00% to 10.00% APR based on credit worthiness.
  • The minimum outstanding balance that can be converted from an existing HELOC into a fixed-rate option is $5,000.
  • No more than 3 fixed-rate options can be open at one time.
Visa® Cards Variable Rate APR
Visa Platinum Purchase Rate: 8.74%* to 17.90%*
Cash Advance Rate: 11.99% to 17.90%

*Rates reflect a .25% relationship discount

Visa Luna®
  • For cards opened after 7/16, the $29 annual fee may be waived with annual net purchases of at least $10,000.
Purchase Rate: 12.74% to 17.90%
Cash Advance Rate: 17.74% to 17.90%
Fixed Rate APR
Secured Visa 17.90%
Other Loans Fixed Rate APR
Signature Loans 9.49% to 17.90%
Certificate Secured 3.00% over dividend rate
  • Repayment Period up to term of Certificate on certificate secured loan.
  • Certificate secured up to available balance
Variable Rate APR
Personal Line of Credit 8.50% to 17.00%
  • Rate based on prime rate plus margin from 4.5% to 13%
  • Prime assessed quarterly
  • Note: there are no relationship discounts on this product
Share Secured 3.00% over dividend rate

Today's Rates

May 23, 2022

Home Equity Line of Credit

as low as 4.25% APR

Certificates

as high as 0.90% APY

Visa Rates

as low as 8.74% APR

Auto/Truck (New/Used)

as low as 1.99% APR

Bonus Checking

0.90% APY