Rates

Loan Rates

All rates are subject to change without notice. Call 1-877-871-8313 for the most current rate information. Use our Calculator Tools to estimate your loan payment.

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Rate

 

New Auto Loan (2022-2023)
As low as 5.75% APR*
Used Auto Loan (2013-2022)
As low as 6.50% APR*

  Used Auto Loan (2012 and older)

As low as 8.50% APR*
 
New Boat Loan (2022-2023)
As low as 6.75% APR*
Used Boat Loan (2013-2022)
As low as 7.75% APR*
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New Rec Vehicle Loan (2022-2023)
As low as 6.75% APR*
Used Rec Vehicle Loan (2013-2022)
As low as 7.75% APR*
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Adoption Loans
As low as 8.00% APR*
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Personal Loans
As low as 12.99% APR*
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Home Equity Loans (80% LTV)
As low as 6.50% APR**
Home Equity Line of Credit (70% LTV)
As low as 7.50% APR***

 

 

*APR = Annual Percentage Rate. APR is fixed for the term of the loan. Rates are effective 1/1/2023 and subject to change. Rate posted is based on a 60-month term with a credit score of at least 700. Your loan rate will be determined by your credit score, the term of the loan, and the repayment method. Loans are subject to credit approval. Loan Payment Example: A $25,000 loan financed for 60 months at 5.75% APR, monthly payments equal $480.42. A $35 loan application fee will be assessed for all approved loans EXCEPT for Home Equity Loans.

**APR = Annual Percentage Rate. APR is effective 1/1/2023 and subject to change. APR is fixed for the term of the loan. Rate posted is based on a 60-month term with a credit score of at least 700. Your loan rate will be determined by your credit score and the term of the loan, Loans are subject to credit approval.  Loan Payment Example: Assume a loan amount of $25,000. Monthly payments on an 80% LTV (loan-to-value), 5-year amortization at 6.50% APR equals $489.15. Closing costs vary by state, The average cost is $300 but can range from $300 to $4,000. A $100 loan application fee will be assessed for all approved Home Equity Loans.

***APR = Annual Percentage Rate. Home Equity Lines of Credit have a variable rate which means the APR may increase. APR is effective 1/1/2023 and is subject to change. Rate posted is based on a credit score of at least 700. The maximum APR is 18.00%. Loans are subject to credit approval. Closing costs vary by state. The average cost is $300 but can range from $300 to $4,000. A $100 loan application fee will be assessed for all approved Home Equity Loans.

Savings Rates

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$0.00-$499.99
0.00%
 
$500.00 and up
0.05%
 

 

Sub Savings
APY
 
$0.00-$499.99              
0.00%
 
$500.00 and up
0.05%
 

 

APY
 
$3,000.00-$9,999.99
0.40%
 
$10,000.00-$24,999.99
0.55%
 
$25,000.00-$49,999.99
0.75%
 
$50,000.00 and up
1.00%
 

APY = Annual Percentage Yield. Rates are effective 1/1/2023 and may change after the account is opened. Fees may reduce earnings on the account.   

CD Rates

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Term
APR
APY
6-months
1.25%
1.26%
12-months
1.75%
1.76%
24-months
2.00%
2.02%
36-months
2.25%
2.27%

 

13-month CD Special - 3.04% APY
 

The minimum deposit to open and obtain APY is $1,000. APY = Annual Percentage Yield. Rates are effective 1/1/2023 and may change after the account is opened. A penalty may be imposed for early withdrawal.

 

Saving Saints Certificate
Youth under 18 years of age
 
 
Term
APR
APY
6-months
1.35%
1.36%

The minimum deposit to open and obtain APY is $200. APY = Annual Percentage Yield. Rates are effective 1/1/2023 and may change after the account is opened. A penalty may be imposed for early withdrawal.