Rates

Current Rates effective as of 12/01/2022
All posted rates include all applicable discounts

Loan Rates
Loans Term Rate % APR %*
New & Used Vehicles, Motorcycles** 60 6.49 6.49
Specialty Vehicles 60 9.49 9.49
RVs, Campers, and Motorhomes 60 8.49 8.49
Credit Card N/A 8.99 8.99
Personal Loans 24 12.49 12.49
Home Equity LOC 180 6.00 6.00
Done in 10 Mortgage (1st lien position) 120 4.99 4.99
Fixed 2nd Mortgage - 10 yr**** 120 6.24 6.24
Fixed 2nd Mortgage - 15 yr**** 180 6.49 6.49
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 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 4.99% APR, monthly payments would be $1590.40. 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 6.49% APR, monthly payments would be $435.37. 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%.