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Rates

Auto Loans - Cars, Trucks, SUVs & Vans years 2012-2021
Term Rate/APR as low as*
0 - 35 Months 2.49%
36 - 59 Months 2.74%
60- 83 Months 3.24%
84- 120 Months 4.99%

Auto Loan Rates Effective 09/17/2020.

Autos that are older than ten model years old will be priced at Personal Loan rates.

Contact us for Classic Car rates and terms.

Toy Loans - Motorcycles years 2012-2021
Term Rate/APR as low as*
0 - 35 Months 3.49%
36 - 59 Months 3.74%
60- 83 Months 4.24%
84- 120 Months 5.99%

Motorcycle Loan Rates Effective 09/17/2020.

Motorcycles that are older than ten model years old will be priced at Personal Loan rates.

Toy Loans - Boats, Trailers, Jet Skis, Campers & RVs years 2012-2021
Term Rate/APR as low as*
0 - 35 Months 4.49%
36 - 59 Months 4.74%
60- 83 Months 5.24%
84- 120 Months 6.99%

Boat, Trailer, Jet Ski, Camper & RV Loan Rates Effective 09/17/2020.

Boats, Trailers, Jet Skis, Campers & RVs that are older than ten model years old will be priced at Personal Loan rates.

Toy Loans - ATVs & UTVs (new only)
Term Rate/APR as low as*
0 - 35 Months 5.49%
36 - 59 Months 5.74%
60- 83 Months 6.24%
84- 120 Months 7.99%

ATV & UTV Loan Rates Effective 09/17/2020.

Used ATVs & UTVs will be priced at Personal Loan rates.

Home Loans/First Mortgages
Term Rate/APR as low as*
7 Year 2.95%
10 Year 3.05%
12 Year 3.15%
15 Year 3.20%
20 Year 3.45%
30 Year 3.70%

Home Loan/First Mortgage Rates Effective 09/17/2020.

All Home Loan rates based on 80% Loan to Value (LTV) unless otherwise stated and must be a First Mortgage.

Home Equity Loans/Second Mortgages
Term Rate/APR as low as*
5 Year 4.45%
10 Year 4.55%
15 Year 4.70%

Home Equity Loan/Second Mortgage Rates Effective 09/17/2020.

HELOCs (Home Equity Lines of Credit)
Term Rate/APR as low as*
Up to 20 years 3.25%

 HELOC Rates Effective 04/06/2020.

Interest only for the first five (5) years. Up to 90% Loan-to-Value (LTV).

Prime is defined as the "US Prime Rate - Latest" published under "Interest Rates" in the Wall Street Journal, or 3.25% - whichever is greater. Existing loans are subject to rate change quarterly. Actual rates may vary and are based on a credit score and repayment term.

Personal, Vacation & Holiday Loans
Loan Type & Loan Amount Rate/APR as low as*
Personal Loans Up to $10,000 9.99%
Vacation & Holiday Loans Up to $2,000 6.90%

Personal, Vacation & Holiday Loan Rates Effective 09/17/2020.

Share Secured Loans
Term Rate/APR as low as*
15 Years Share rate plus 3.00%

Share Secured Rate Effective 07/21/2010.

If the Share Rate is tiered, the highest rate determines the Loan Rate.

Certificate Secured Loans
Term Rate/APR as low as*
15 Years Certificate rate plus 3.50%

Certificate Secured Rate Effective 02/01/2010.

Credit Cards
Term Rate/APR as low as*
Fixed 9.90%

Credit Card Rate Effective 01/01/2018.


Call the Main Office at (502) 429-4955 or (800) 288-5228 for current rates.

Loan example: $20,000 for 48 months at 3.24% annual percentage rate would yield a $444.85 per month payment or approximately $22.25 per $1,000 borrowed.