Loan rates


Interest rates effective as of November 15, 2017
Rates are subject to change without notice
Click for Loan Calculator, or look under Services.

 


 

Loan typeAPR*Notes
Mastercard9.96%No annual fee
Personal**10.00%
New car
36 months2.50%(20% down payment)
48 months2.75%(20% down payment)
60 months3.00%(20% down payment)
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 rate+0.25%Currently 4.50%
Floor rate4.25%
Mortgages *** (call for down payment requirement
Adjustable Rate with closing costs
Three year ARM3.25%with closing costs / 0 points
Five year ARM3.50%with closing costs / 0 points
Adjustable rate with no closing costs
Three year ARM4.00%no closing costs / no points
Five year ARM4.25%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