Rates

• Loan Rates
• Savings Rates

Current Rates effective as of 03/01/2023
All posted rates include all applicable discounts

Loan Rates

Loans	Term	Rate %	APR %*
New & Used Vehicles, Motorcycles**	60	7.24	7.24
Specialty Vehicles	60	10.24	10.24
RVs, Campers, and Motorhomes	60	9.24	9.24
Credit Card	N/A	8.99	8.99
Personal Loans	24	13.24	13.24
Home Equity LOC	180	7.25	7.25
Done in 10 Mortgage (1st lien position)	120	5.99	6.16
Fixed 2nd Mortgage - 10 yr****	120	7.24	7.24
Fixed 2nd Mortgage - 15 yr****	180	7.49	7.49
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 December 30, 2022, the Prime Rate is 7.50%. HELOC has a floor rate of 4.00%. 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 6.16% APR, monthly payments would be $1665.10. 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 7.49% APR, monthly payments would be $463.41. 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%.