In-House Portfolio Mortgage Loans
Loans available for purchase money, refinancing, home improvement, and more!
Rates subject to change without notice.
| Term | Rate | Annual Percentage Rate* | Payments Per $1000 Per Month of Repayment |
|---|---|---|---|
| 5 Year | As low as 4.75% | 4.910% | $18.75 |
| 10 Year | As low as 5.00% | 3.086% | $10.61 |
| 15 Year | As low as 5.50% | 5.563% | $8.18 |
| 20 Year | As low as 5.75% | 5.801% | $7.03 |
| 25 Year | As low as 6.00% | 6.044% | $6.45 |
| 30 Year | As low as 6.25% | 6.290% | $6.16 |
Share Secured Loans
Annual Percentage Rate will be as low as 3.00% over existing dividend rate for share and share certificate to be pledged.
| Term | Annual Percentage Rate | Payments Per $1000 Per Month of Repayment |
|---|---|---|
| 12 Months | As low as 3.10% | $84.74 |
| 24 Months | As low as 3.10% | $43.03 |
| 36 Months | As low as 3.10% | $29.13 |
| 48 Months | As low as 3.10% | $22.18 |
| 60 Months | As low as 3.10% | $18.02 |
| 84 Months | As low as 4.10% | $13.72 |
| 120 Months | As low as 5.10% | $10.66 |
| Apply for a Share Secured Loan | ||
President's Day Auto Loan Special
Rates shown are for 2012 and newer vehicles, subject to maximum terms for vehicle year.
See rates and terms for vehicle model year.
Refinances from other institutions welcomed.
***Ask us about our RATE MATCH program***
84 month term available for 2018-2019 vehicles only, minimum loan amount of $25,000.
| Term | Annual Percentage Rate | Payments Per $1000 Per Month of Repayment |
|---|---|---|
| 12 Months | As low as 2.99% | $84.69 |
| 24 Months | As low as 2.99% | $42.98 |
| 36 Months | As low as 2.99% | $29.08 |
| 48 Months | As low as 3.24% | $22.24 |
| 60 Months | As low as 3.49% | $18.19 |
| 72 Months | As low as 3.74% | $15.53 |
| 84 Months | As low as 4.49% | $13.90 |
| Apply for an Auto Loan | ||
Motorcycle, ATV, Snowmobile, & Personal Watercraft Maximum Terms
100% Financing available for qualified applicants.
Annual Percentage Rate based on a credit score of 680 or higher.
| Loan Amount | Maximum Term | Annual Percentage Rate | Payment Per Thousand |
|---|---|---|---|
| <$2,500 | 24 Months | As low as 3.49% | $43.20 |
| $2,500 to $3,999 | 36 Months | As low as 3.74% | $29.41 |
| $4,000 to $7,499 | 48 Months | As low as 4.24% | $22.69 |
| $7,500 to $12,499 | 60 Months | As low as 4.74% | $18.75 |
| $12,500 & up | 72 Months | As low as 4.99% | $16.10 |
| $25,000 & up 2018 & Newer Motorcycles Only | 84 Months | As low as 5.24% | $14.25 |
Recreational Vehicle and Boat Loan Maximum Terms
100% Financing available for qualified applicants.
Annual Percentage Rate based on a credit score of 680 or higher.
| Loan Amount | Maximum Term | Annual Percentage Rate | Payment Per Thousand |
|---|---|---|---|
| <$3,000 | 24 Months | As low as 3.49% | $43.20 |
| $3,000 to $4,999 | 36 Months | As low as 3.74% | $29.41 |
| $5,000 to $7,499 | 48 Months | As low as 4.24% | $22.69 |
| $7,500 to $9,999 | 60 Months | As low as 4.74% | $18.75 |
| $10,000 to $12,499 | 72 Months | As low as 4.99% | $16.10 |
| $12,500 to $14,999 | 84 Months | As low as 5.74% | $14.48 |
| $15,000 to $19,999 | 120 Months | As low as 6.99% | $11.61 |
| $20,000 to $29,999 | 144 Months | As low as 7.24% | $10.41 |
| $30,000 & up | 180 Months | As low as 8.24% | $9.70 |
Tractor & Equipment Loan Maximum Terms
100% Financing available for qualified applicants.
Annual Percentage Rate based on a credit score of 680 or higher.
Rates shown for new models. Add .50% to rate for used.
| Loan Amount | Maximum Term | Annual Percentage Rate | Payment Per Thousand |
|---|---|---|---|
| <$3,000 | 24 Months | As low as 4.99% | $43.87 |
| $3,000 to $5,999 | 36 Months | As low as 5.24% | $30.08 |
| $6,000 to $9,999 | 48 Months | As low as 5.74% | $23.37 |
| $10,000 to $12,499 | 60 Months | As low as 6.24% | $19.44 |
| $12,500 to $14,999 | 72 Months | As low as 6.49% | $16.81 |
| $15,000 & up | 84 Months | As low as 7.24% | $15.21 |
Unsecured Loans
Unsecured loans are personal loans that are not secured with collateral.
| Term | Annual Percentage Rate | Payments Per $1000 Per Month of Repayment |
|---|---|---|
| 12 Months | As low as 9.75% | $87.80 |
| 24 Months | As low as 10.50% | $46.38 |
| 36 Months | As low as 10.75% | $32.62 |
| 48 Months | As low as 11.00% | $25.85 |
| 60 Months | As low as 11.50% | $21.99 |
| 72 Months | As low as 12.50% | $19.81 |
| 84 Months | As low as 13.75% | $18.60 |
| Apply for an Unsecured Loan | ||
Personal Line of Credit
A revolving line of credit that allows eligible borrowers to access funds for personal use.
| Term | Rate | APR* | Monthly Payment |
|---|---|---|---|
| *Annual Percentage Rate as of 12/20/2018. 1.) No minimum initial advance required. 2.) There is no minimum Annual Percentage Rate (APR) that may be imposed. The maximum APR that may be imposed is 18%. 3.) The Annual Percentage Rate will vary and will be based on the Prime Rate as published in the Wall Street Journal (the “Index”) and will be the rate in effect on the 15th day of the previous month plus four percentage points (4%) (the “Margin”) rounded to the nearest .25%. Interest will be charged from the transaction date. |
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| Revolving | Prime + 4% | 9.50% | 2.5% of the outstanding balance, or $50.00, whichever is greater. |
Overdraft Protection Loan
With an overdraft protection loan, you've got added protection in case of an error in your share draft account. If you've got insufficient funds in your account to cover an item, we will advance you a loan** (in increments of $100.00) so your item will clear.
| Term | Rate | APR* | Payment |
|---|---|---|---|
| *Annual Percentage Rate as of 10/31/15 **Subject to available credit. No minimum initial advance required. 12.90% Fixed APR (Annual Percentage Rate). There is no minimum Annual Percentage Rate that may be imposed. |
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| Revolving | 12.90% | 12.90% | 6% of outstanding balance or $35.00, whichever is greater. |
Home Equity Loans
Use the equity in your home to help send your kids to college, do home repairs or even for that vacation that you have always dreamed about.
Borrow up to 80% of the appraised value of your home, less any loans on the property.
| Term | Index | Annual Percentage Rate* | Payment |
|---|---|---|---|
| *Annual percentage rate as of 12/20/2018 **For eligible borrowers with qualified collateral. The rate may vary depending on borrower's credit score. 1. There is no minimum initial advance required. 2. Minimum Annual Percentage Rate (APR) of 3.50%. The maximum APR that may be imposed is 16%. 3. The APR may increase or decrease on the first of each month. The interest rate will equal to the lowest prime rate as published in the Wall Street Journal (the “Index”) plus a "Margin" as low as zero percentage points (0%). The interest rate will change whenever the Index changes. Changes in the interest rate will be calculated by taking the Index figure available on the 15th day of the preceding calendar month and adding to it the Margin stated above. This figure rounded to the nearest .25% will be the new interest rate effective until the next Change Date. |
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| Revolving | 5.50% | As low as 5.50%** | The greater of $50.00 or 1% of the outstanding balance as of last advance. |
