Loan rates

Interest rates effective as of February 17, 2021
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.)3.90%
Passbook Loan (up to 95% of secured funds)+2.00%over certificate rate
Home equity
Prime rate
Floor rate4.00%
Mortgages *** (call for down payment requirement)
Adjustable rate mortgages- down payment 10% or higher- no PMI required.
Adjustable Rate with closing costs
Five year ARM2.75%
with closing costs / 0 points
Adjustable rate with no closing costs
Five year ARM4.250%no closing costs / no points
Fixed rate
FIXED RATE-15,20,30 YearRates change daily
Rates on 02/17/2021:
15 year: 2.625%
20 year: 2.750%
30 year: 3.000%

* APR is the Annual Percentage Rate