Rates

Current Rates effective as of 07/01/2022
All posted rates include all applicable discounts

Loan Rates
Loans Term Rate % APR %*
New & Used Vehicles, Motorcycles** 60 3.49 3.49
Specialty Vehicles 60 6.59 6.59
RVs, Campers, and Motorhomes 60 4.99 4.99
Credit Card N/A 8.99 8.99
Personal Loans 24 8.99 8.99
Home Equity LOC 180 4.50 4.50
Done in 10 Mortgage (1st lien position) 120 3.99 3.99
Fixed 2nd Mortgage - 10 yr**** 120 4.99 4.99
Fixed 2nd Mortgage - 15 yr**** 180 5.49 5.49
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 July 1st, 2022, the Prime Rate is 4.75%. 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 $1,518.46. Payment does not included 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 5.49% APR, monthly payments would be $408.49. Payment does not included 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%.