Rates

• Loan Rates
• Savings Rates

Current Rates effective as of 10/01/2022
All posted rates include all applicable discounts

Loan Rates

Loans	Term	Rate %	APR %*
New & Used Vehicles, Motorcycles**	60	4.99	4.99
Specialty Vehicles	60	7.99	7.99
RVs, Campers, and Motorhomes	60	6.24	6.24
Credit Card	N/A	8.99	8.99
Personal Loans	24	9.99	9.99
Home Equity LOC	180	6.00	6.00
Done in 10 Mortgage (1st lien position)	120	3.99	3.99
Fixed 2nd Mortgage - 10 yr****	120	5.49	5.49
Fixed 2nd Mortgage - 15 yr****	180	5.74	5.74
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 October 1, 2022, the Prime Rate is 6.25%. 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 3.99% APR, monthly payments would be $1518.46. 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 5.74% APR, monthly payments would be $415.05. 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%.