Rates

• Loan Rates
• Savings Rates

Current Rates effective as of 08/01/2023
All posted rates include all applicable discounts

Loan Rates

Loans	Term	Rate%******	APR %*
New & Used Vehicles, Motorcycles**	60	6.74	6.74
Specialty Vehicles	60	9.74	9.74
RVs, Campers, and Motorhomes	60	8.74	8.74
Credit Card	N/A	8.99	8.99
Personal Loans	24	12.74	12.74
MyChoice Line Home Equity LOC***	240	8.24	8.24
Done in 10 Mortgage (1st lien position)	120	6.50	6.67
Fixed 2nd Mortgage - 10 yr****	120	8.50	8.50
Fixed 2nd Mortgage - 15 yr****	180	9.00	9.00
Overdraft LOC	N/A	21.00	21.00
Spire LOC	N/A	21.00	21.00

*APR = Annual Percentage Rate
**Longer terms available.
***Rates are subject to change without notice. The APR is variable and is based upon an index plus a margin. The APR will vary with the Prime Rate (the index) as published by the Wall Street Journal. As of July 25, 2023, the Prime Rate is 8.50%. MyChoice Line HELOC has a floor rate of 3.00%. Loan rates and terms are dependent on credit qualifications.
****Term available on Done-in-Ten Mortgage is 10 years. Contact the credit union for additional rates. Payment example: on a $150,000 loan for 120 months at 6.67% APR, monthly payments would be $1703.22. Payment does not include taxes or insurance.
*****Terms available on fixed 2nd mortgages range from 3 to 20 years. Contact the credit union for additional rates. Payment example: on a $50,000 loan for 180 months at 9.00% APR, monthly payments would be $507.45. Payment does not include taxes, or insurance if in first lien position.

******Loan rates listed are the lowest APR for well-qualified borrowers and include all available discounts. Condo and Townhome Property Types Add 0.50%, Non-Owner-Occupied Occupancy Status Add 1.00%