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Loan Rates

The rates below are subject to change without notice. Rates can be higher or
lower based on credit score, payment terms, credit worthiness, and age of collateral. Contact us for more information and current rates.

Auto, Recreational and Agricultural Loans

Fixed APR

Rates effective as of April 4, 2014. Rates depend on each borrower's credit history. Rates, terms and conditions subject to change without notice.

New Auto

5.00% - 14.00%

Used Auto

6.00% - 16.75%

New Recreational

5.00% - 14.00%

Used Recreational

6.00% - 16.75%

New Agricultural

5.00% - 14.00%

Used Agricultural

6.00% - 16.75%

 

Personal Loans

Fixed APR

Rates effective as of April 4, 2014. Rates depend on each borrower's credit history. Rates, terms and conditions subject to change without notice.

Personal Loan

9.50% - 17.00%

Seasonal Loan

9.50% - 16.75%

Overdraft Loan

18.00%

Short Term Small Loan

28.00%

 

Variable Rate Personal Loan

Rates effective as of April 4, 2014.

Personal Line of Credit

9.50% - 17.00%

 

Share and Certificate Secured Loans

Rates effective as of January 12, 2009.

Share Secured Loans

3.75% - 7.75%

Certificate Secured Loans

Certificate Rate +2.00% (Closed End)

 

Home and Land Equity Line of Credit Loan - Variable Rate - Prime +1.00%

Rates effective as of December 14, 2014.

Home Equity Line of Credit

Current prime rate 3.75% resulting in an APR of 4.75% (1)

Land Equity Line of Credit

Current prime rate is 3.75% resulting in an APR of 4.75% (1)

(1) Check with your branch or loan officer for applicable rates after this date.

 

Real Estate Loans - Fixed Rate

Fixed APR

Rates depend on each borrower's credit history. Rates, terms, and conditions subject to change without notice.

Land - Rates effective January 20, 2011

4.50% - 7.50%

15 Year Fixed Rate Mortgage - Rates effective January 12, 2009

4.50% - 7.50%

20 Year Fixed Rate Mortgage - Rates effective January 12, 2009

4.50% - 7.50%

30 Year Fixed Rate Mortgage - Rates effective January 12, 2009

4.50% - 7.50%

 

CREDIT DISCLOSURE
Interest Rates and Interest Charges
Annual Percentage Rate (APR) for Purchases
Visa Platinum 7.0% - 17.00%*when you open your account, based on creditworthiness. Visa Secured 7.0%
APR for Balance Transfers
Visa Platinum 8.0% - 18.00%*when you open your account, based on creditworthiness. Visa Secured 8.0%
APR for Cash Advances
Visa Platinum 8.0% - 18.00%*when you open your account, based on creditworthiness. Visa Secured 8.0%
Penalty APR and When it Applies
Visa Platinum 17.00%*

Visa Secured 17.00%*

This APR may be applied to your account if you make a late payment

How Long Will the Penalty APR Apply? If your APRs are increased for this reason, until your account is current for six (6) consecutive months
How to Avoid Paying Interest on Purchases
Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month.
For Credit Card Tips from the Consumer Financial Protection Bureau
To learn more about factors to consider when applying for or using a credit card, visit the Web site of the Federal Reserve Board at http://www.consumerfinance.gov/learnmore.
Fees
Transaction Fees
- Balance Transfer Fee
- Cash Advance Fee
- Foreign Transaction Fee
2.00% of the amount of each balance transfer
2.00% of the amount of each cash advance
None
Penalty Fees
- Late Payment Fee
- Returned Payment Fee
Up to $25.00
Up to $25.00