Interest rates effective as of January 16, 2019
Rates are subject to change without notice
Click for Loan Calculator, or look under Services.
| Loan type | APR* | Notes |
|---|---|---|
| Mastercard | 9.96% | No annual fee |
| Personal** | 10.00% | |
| New car | ||
| 36 months | 2.75% | (20% down payment) |
| 48 months | 3.00% | (20% down payment) |
| 60 months | 3.25% | (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 5.75% |
| Floor rate | 4.00% | |
| Mortgages *** (call for down payment requirement | ||
| Adjustable Rate with closing costs | ||
| Three year ARM | 4.00% | with closing costs / 0 points |
| Five year ARM | 4.25% | with closing costs / 0 points |
| Adjustable rate with no closing costs | ||
| Three year ARM | 4.75% | no closing costs / no points |
| Five year ARM | 5.00% | no closing costs / no points |
| Fixed rate | ||
| 15 and 30 year | call 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