Loan approvals are based on a review of your credit history, income compared to expenses, employment, ability to acquire assets, present debt level, and other factors. All rates are based on qualified and approved credit and are subject to change based upon action by the Board of Directors.
Effective June 19, 2019 ...Loan Rates as low as shown below. (Rates may be higher based on applicant's credit rating and term of loan requested. Below rates include a .25% rate reduction for direct deposit and/or ACH origination. Not all members may qualify for rate reduction.)
Collateral/Item Financed |
APR |
New Autos |
3.00% |
Used Autos, 1-3 years old |
4.00% |
Used Autos, 4 years old and up |
5.00% |
New Boat Rigs |
3.00% |
Used Boat Rigs, 1-2 years old |
3.25% |
Used Boat Rigs, 3 years and up |
6.00% |
Household Goods (new only) |
7.90% |
New Tractors |
3.00% |
Used Tractors, 1-3 years old |
6.00% |
Used Tractors, 4 years and older |
7.00% |
New Motor Homes, 1-2 years old |
3.00% |
Used Motor Homes, 3 years old and up |
6.00% |
New Travel Trailers |
3.00% |
Used Travel Trailers, 1-4 Years Old |
6.00% |
Used Travel Trailers, 5 years old and up |
6.25% |
New 4-Wheelers, Motorcycles, etc |
3.00% |
Used 4-Wheelers, Motorcycles, etc |
4.00% |
New Mowers & Trailers above $2500 |
3.00% |
New Mobile Homes |
6.90% |
Used Mobile Homes |
7.50% |
Real Estate, Primary Residence (1st Mortgage) |
5.90% |
Real Estate, Primary Residence (2nd Mortgage) |
6.50% |
Real Estate, Second Home, Non-Rental |
6.50% |
Real Estate, Lots or Acreage |
6.90% |
Combination Mobile Home/Land |
6.90% |
Signature Loans |
7.90% |
Visa Cards (based on individual credit) |
9.90% |
Share or Certificate Secured |
2% above earned rate |
We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act.
