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Rates

Rates Effective: October 21, 2025

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Personal Loans
Type of Loan APR* (as low as)
Vehicle Loans 4.94%**
RV Loans 6.59%**
Other Secured/Small Recreational 6.39%**
Unsecured Loans 11.55%**
Share Secured Loans (Variable) 2.5%** above account used
T.L.C. (The Line of Credit) 10.25%**
Essentials VISA
Type APR*
Purchases 12.25% - 23.25%**
Cash Advances 12.25% - 23.25%**
Balance Transfers 12.25% - 23.25%**
Preferred VISA
Type APR*
Purchases 13.25% - 24.25%**
Cash Advances 13.25% - 24.25%**
Balance Transfers 13.25% - 24.25%**
Premier VISA
Type APR*
Purchases 14.75% - 19.25%**
Cash Advances 14.75% - 19.25%**
Balance Transfers 14.75% - 19.25%**
VISA Business
Type APR*
Purchases 13.90%**
Cash Advances 15.90%**
Balance Transfers 13.90%**
Home Loans
Type of Loan APR* (as low as)
1st Mortgages (Amortized up to 360 months) Call for rates
Home Equity Lines of Credit (Adjustable) 6.750%**
Home Equity Loans (Fixed & ARM) 6.625%**
Business Loans
Loan Amount APR* (as low as)
Under $50,000.00 0.75% higher than consumer loan
Over $50,000.00 Call for rates

* APR = Annual Percentage Rate
**Rates and loan terms are based on creditworthiness

Credit Life and Credit Disability Insurance is available on most loans. If you die or become totally and continuously disabled, Credit Life or Disability will make your loan payments or payoff the loan. Low monthly premiums are added to your loan payments. Check with a loan officer for a quote.