Loan rates

Interest rates effective as of September 18, 2019
Rates are subject to change without notice
Click for Loan Calculator, or look under Services.

Loan typeAPR*Notes
Mastercard9.96%No annual fee
New car
36 months2.75%
48 months3.00%
60 months3.25%
Used car
Less than 2 years old+0.50%Over new car rate
Less than 4 years old+1.00%over new car rate
Over 4 years old (36 months max.)5.00%
Passbook Loan (up to 95% of secured funds)+2.00%over certificate rate
Home equity
Prime rateCurrently 5.25%
Floor rate4.00%
Mortgages *** (call for down payment requirement
Adjustable Rate with closing costs
Three year ARM4.00%with closing costs / 0 points
Five year ARM4.25%with closing costs / 0 points
Adjustable rate with no closing costs
Three year ARM4.75%no closing costs / no points
Five year ARM5.00%no closing costs / no points
Fixed rate
15 and 30 yearcall for information

* APR is the Annual Percentage Rate
** A 0.25% rate discount applies for direct deposit accounts
*** The Mortgage Rates listed above are for 20% down, rates are 0.25% higher for less than 20% down