LOANS & SAvings 

AUTO LOANS

TERM	INTEREST RATE
24 months	3.50% to 17.50% APR
36 months	3.50% to 17.50% APR
48 months	3.50% to 17.50% APR
60 months	3.50% to 17.50% APR
72 months (min $15,000)	3.50% to 17.50% APR
84 months (min $25,000)	4.50% to 5.50% APR
Recreational Vehicle	6.25% to 17.50% APR

*Amount financed percentages shown above, plus tax, title, license, GAP, and extended warranty is available to all qualified borrowers and is based on MSRP of new autos or NADA retail value for used autos. 

SHARE ACCOUNT dividends

AMOUNT BORROWED	INTEREST RATE
$100 - $499.99	0.10% APR
$500.00+	0.20% APR

*Same rates apply for Secondary Share Account Dividends.

Certificates of Deposit

PERIOD	INTEREST RATE
6 months	0.30% APR
12 months	0.65% APR

$1,000 minimum*****CD Secured rate is 3.0% above current CD rate.

Signature loans

Loan Type	INTEREST RATE
Signature Loan	10.25% to 17.5% APR
Share Secured Loan	4.0% APR
Line of Credit ($300-$5,000)	14.0% to 17.5% APR
Credit Builder	10.0% APR

*Up to $5,000 for 24 months; over $5,000-$10,000 for 36 months; over $10,000-$20,000 for 60 months. 

Visa credit card

Visa Card Type	INTEREST RATE
Gold	7.90% APR
Secured Visa	12.0% APR

Other accounts

PERIOD	INTEREST RATE
Money Market ($1,000 minimum)	0.25%  APR
Christmas Club	0.40%  APR
Reward Checking (65+, no fees, >$500)	0.0% APR
Reward Plus Checking (65+, no fees, >$2,000)	0.50% APR

*Reward Checking and Reward Plus Checking will receive one free box of checks per year.