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Rates

Consumer Secured Loans (Autos, Motorcycles, Boats, RVs, etc. years 2011-2020)
Term Rate/APR as low as*
0 - 35 Months 2.99%
36 - 59 Months 3.24%
60- 83 Months 3.74%
84- 119 Months 4.99%
120 Months 6.24%

Consumer Secured Loan Rates Effective 03/09/2020.

Vehicles that are older than ten model years old will be priced at signature loan rates.

Contact us for Classic Car rates and terms.

Home Loans/First Mortgages
Term Rate/APR as low as*
7 Year 2.75%

10 Year

2.85%
12 Year 2.95%
15 Year 3.00%
20 Year 3.25%
30 Year 3.50%

Home Loan/First Mortgage Rates Effective 03/09/2020.

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 4.25%
10 Year 4.35%
15 Year 4.50%

Home Equity Loan/Second Mortgage Rates Effective 03/09/2020

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 Amount Rate/APR as low as*
Up to $10,000 9.99%

Signature Loan Rate Effective 12/01/2018

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 (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.