Loan Rates

*Rates effective as of 10/19/2023. Rates are subject to change without notice.

Share Secured

Term	Rate
72 Months	4.50%

Personal/Consolidation

Personal

Term	Rate
60 Months	10.25%

Maximum of $10,000.00.

Consolidation

Term	Rate
72 Months	12.00%
84 Months	12.25%

Maximum of $25,000.00.

Home Loans

Home Equity

Term	Rate
20 Years	11.25%
15 Years	10.25%
10 Years	10.00%
5 Years	9.75%

Up to 80% of appraised value, less senior mortgages. Minimum of $15,000.00, Maximum of $150,000.00.

Home Improvement

Term	Rate
15 Years	12.00%
10 Years	11.75%
5 Years	11.50%

Conditions Apply. Maximum of $35,000.00

Mobile Home

Term	Rate
15 Years	10.25%
10 Years	10.50%

Up to 80% of the manufacturer’s invoice.

Recreational

Motor Home

Term	Rate
15 Years	8.25%
10 Years	9.00%

Up to 80% of the manufacturer’s invoice.

Boat, Camper, Travel Trailer
(With Living Conditions)

Model Year	Term	Rate
2024-23	15 Years	8.25%
2022-21	15 Years	8.50%
2020	15 Years	8.75%
2019 and older	10 Years	9.00%

Maximum of $80,000.00.

Boat, Camper, Travel Trailer
(Without Living Conditions)

Model Year	Term	Rate
2024-23	12 Years	8.00%
2022-21	12 Years	8.25%
2020	12 Years	8.50%
2019 and older	10 Years	8.75%

Maximum of $80,000.00.

Motorcycles, Jet Ski, Snowmobile

Model Year	Term	Rate
2024-23	72 Months	9.25%
2022 and older	60 Months	9.50%

Automobiles

Model Year	Term	Rate	Term	Rate
2024	72 Months	9.75%	84 Months	10.10%
2023-22	72 Months	10.00%	84 Months	10.35%
2021	72 Months	10.25%	84 Months	10.60%
2020	60 Months	10.75%	72 Months	11.10%
2019	60 Months	11.25%	72 Months	11.60%
2018	60 Months	11.25%	72 Months	11.60%
2017	60 Months	11.25%	72 Months	11.60%
2016 – 2015	48 Months	11.25%	60 Months	11.60%
2014 – 2013	42 Months	11.25%	54 Months	11.60%
2012 – 2011	36 Months	11.25%	48 Months	11.60%
2010 – 2009	30 Months	11.25%	42 Months	11.60%
2008 and older	24 Months	11.25%	36 Months	11.60%

Classic Car Loan	Term	Rate
At least 25 Years old	60 Months	10.00%

Subject to appraisal

Specialty

Motorized Equipment	Term	Rate
Tractor, Plow, Lawn & Farm Equipment	72 Months	9.25%