Loan Rates
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Signature Loan (Unsecured)
APR*
as low as 12.49% Fixed
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Ultra Loan (Unsecured)
APR*
as low as 13.99% Fixed
-
Access Line Of Credit (Unsecured)
APR*
as low as 15.49% Variable
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Share Secured - Installment Loan
APR*
2.00% above share rate to nearest .25% Variable
*APR is Annual Percentage Rate. Rates subject to change without notice and is based on creditworthiness. Payment example: For a $5,000 personal loan with a term of 48 months at 9.99% APR, the monthly payment will be $126.79.
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Auto Loan 2018-2025
Fixed APR*
as low as 6.49%
-
Auto Loan 2011-2017
Fixed APR*
as low as 7.49%
*APR is Annual Percentage Rate. Rates subject to change without notice and is based on creditworthiness. Payment example: For a $20,000 auto loan with a term of 60 months at 7.74% APR, the monthly payment will be $404.37.
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2018-2025
Fixed APR*
as low as 7.99%
-
2011-2017
Fixed APR*
as low as 8.99%
*APR is Annual Percentage Rate. Rates subject to change without notice and is based on creditworthiness. Payment example: For a $20,000 loan with a term of 60 months at 7.99% APR, the monthly payment will be $406.81.
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2018-2025
Fixed APR*
as low as 8.99%
-
2011-2017
Fixed APR*
as low as 9.99%
*APR is Annual Percentage Rate. Rates subject to change without notice and is based on creditworthiness. Payment example: For a $20,000 loan with a term of 60 months at 8.99% APR, the monthly payment will be $416.65.
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Visa Signature Rewards
Credit Card Rates
Annual Percentage Rate1 for Purchases
15.99% to 18.00%
Earn Loyalty Rewards
Yes
No Annual Fee
Yes
No Balance Transfer Fee
Yes
25 Day Grace Period on New Purchases
Yes
Make Payments with Digital Banking
Yes
Set up Auto Payments
Yes
Manage your Account Online
Yes
-
Visa Traditional
Credit Card Rates
Annual Percentage Rate1 for Purchases
13.49% to 18.00%
Earn Loyalty Rewards
No
No Annual Fee
Yes
No Balance Transfer Fee
Yes
25 Day Grace Period on New Purchases
Yes
Make Payments with Digital Banking
Yes
Set up Auto Payments
Yes
Manage your Account Online
Yes
-
Visa Secured 2
Credit Card Rates
Annual Percentage Rate1 for Purchases
17.49%
Earn Loyalty Rewards
No
No Annual Fee
Yes
No Balance Transfer Fee
Yes
25 Day Grace Period on New Purchases
Yes
Make Payments with Digital Banking
Yes
Set up Auto Payments
Yes
Manage your Account Online
Yes
1 - Annual Percentage Rate (APR) is based on your creditworthiness when account is opened. This APR will vary with the market based on the Prime Rate. Subject to credit approval.
2 - A Visa Secured credit card is used to establish or re-build your credit history. This card can be converted to a Signature Rewards card with an approved application. This credit card is accepted worldwide where Visa is accepted.
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30-Year Fixed
Interest Rate
6.750%
Annual Percentage Rate (APR)
6.870%
Origination Fee
1.00%
-
15/15 30-Year Adjustable Rate Mortgage
Interest Rate
6.625%
Annual Percentage Rate (APR)
6.750%
Origination Fee
1.00%
-
5/5 30-Year Adjustable Rate Mortgage
Interest Rate
6.750%
Annual Percentage Rate (APR)
6.877%
Origination Fee
1.00%
-
15-Year Fixed
Interest Rate
6.375%
Annual Percentage Rate (APR)
6.578%
Origination Fee
1.00%
-
10-Year Fixed
Interest Rate
6.125%
Annual Percentage Rate (APR)
6.407%
Origination Fee
1.00%
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USDA
Interest Rate
7.375%
Annual Percentage Rate (APR)
7.509%
Origination Fee
1.00%
Rates effective as of: 12/20/2024
Rates posted are indications only and are subject to change without notice. Your actual rate may be different, as many factors go into providing you with a mortgage loan. Rates shown are based on loan amounts of $200,000 and are not intended to be a commitment to the loan type or amount for which you may qualify. For jumbo rates you may contact us directly at 800-482-1043.
Adjustable-Rate Mortgage 15/15
Adjustable-Rate Mortgage is variable and your rate may increase after the original rate period. The adjustable rate mortgage is tied to the 10-Year CMT index. Adjustable rates cannot change more than 4% at the adjustment period and cannot adjust more than 6% over the life of the loan.
- Payment example: A 15/15 30-Year Adjustable Rate Mortgage of $200,000 for 30 years at 6.625% interest and 6.750% APR will have a monthly payment of $1,297.20.
Adjustable-Rate Mortgage 5/5
Adjustable-Rate Mortgage is variable and your rate may increase after the original rate period. The adjustable rate mortgage is tied to the 10-Year CMT index. Adjustable rates cannot change more than 2% at the adjustment period and cannot adjust more than 5% over the life of the loan.
- Payment example: A 5/5 30-Year loan of $200,000 for 30 years at 6.750% interest and 6.877% APR will have a monthly payment of $1,314.12.
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1st Lien Position
60 Months
APR1 (as low as) 5.99%
Monthly Payment2 $19.33120 Months
APR1 (as low as) 6.49%
Monthly Payment2 $11.35180 Months
APR1 (as low as) 6.74%
Monthly Payment2 $8.84240 Months
APR1 (as low as) 7.24%
Monthly Payment2 $7.90 -
2nd Lien Position
60 Months
APR1 (as low as) 6.49%
Monthly Payment2 $19.56120 Months
APR1 (as low as) 6.99%
Monthly Payment2 $11.61180 Months
APR1 (as low as) 7.24%
Monthly Payment2 $9.12240 Months
APR1 (as low as) 7.74%
Monthly Payment2 $8.20
*Rates subject to change with out notice.
1. APR is Annual Percentage Rate. Your rate may vary based on your creditworthiness, loan-to-value ratio and repayment option. As of December 1, 2024, the prime rate was 7.75% and the lowest variable rate available was 7.50% APR. The APR will not vary above 18% APR nor below 3.99% APR. Interest only HELOCKs have higher rates. Consult a tax advisor regarding deductibility of interest and fees.2. Lock-in feature allows up to five fixed-rate amounts at any one time. Monthly payment for fixed-rate is based on payment per $1,000 for term and rate shown above. First rate lock is free; $35.00 for each additional. Minimum fixed-rate loan amount is $5,000.
3. VPR is Variable Periodic Rate. VPR is subject to change monthly. Your rate may vary based on your creditworthiness, loan to value ratio and repayment option. Minimum line of credit amount is $10,000. If a balance remains on the line of credit at the maturity of the 20 year mortgage, a balloon payment may result. MINIMUM PAYMENT EXAMPLE: If you made only the minimum monthly payment and took no other credit advances it would take 20 years to pay off a credit advance of $10,000 at an ANNUAL PERCENTAGE RATE of 4.00%. During that period, you would make 120 payments of $30.68 to $33.97, followed by 119 payments of $41.79 to $125.00 and a final balloon payment of $3,354.77.
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Variable, Revolving
APR1 (as low as)
7.50%
VPR3 (as low as)
Prime – 0.25%
Monthly Payment2
Minimum $25 or 1.25% of the principal balance as of the time of the draw, whichever is greater
*Rates subject to change with out notice.
1. APR is Annual Percentage Rate. Your rate may vary based on your creditworthiness, loan-to-value ratio and repayment option. As of December 1, 2024, the prime rate was 7.75% and the lowest variable rate available was 7.50% APR. The APR will not vary above 18% APR nor below 3.99% APR. Interest only HELOCKs have higher rates. Consult a tax advisor regarding deductibility of interest and fees.2. Lock-in feature allows up to five fixed-rate amounts at any one time. Monthly payment for fixed-rate is based on payment per $1,000 for term and rate shown above. First rate lock is free; $35.00 for each additional. Minimum fixed-rate loan amount is $5,000.
3. VPR is Variable Periodic Rate. VPR is subject to change monthly. Your rate may vary based on your creditworthiness, loan to value ratio and repayment option. Minimum line of credit amount is $10,000. If a balance remains on the line of credit at the maturity of the 20 year mortgage, a balloon payment may result. MINIMUM PAYMENT EXAMPLE: If you made only the minimum monthly payment and took no other credit advances it would take 20 years to pay off a credit advance of $10,000 at an ANNUAL PERCENTAGE RATE of 4.00%. During that period, you would make 120 payments of $30.68 to $33.97, followed by 119 payments of $41.79 to $125.00 and a final balloon payment of $3,354.77.
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Variable, Revolving
APR1 (as low as)
8.00%
VPR3 (as low as)
Prime + 0.25%
Monthly Payment2
Monthly payment is the interest accrued.
*Rates subject to change with out notice.
1. APR is Annual Percentage Rate. Your rate may vary based on your creditworthiness, loan-to-value ratio and repayment option. As of December 1, 2024, the prime rate was 7.75% and the lowest variable rate available was 7.50% APR. The APR will not vary above 18% APR nor below 3.99% APR. Interest only HELOCKs have higher rates. Consult a tax advisor regarding deductibility of interest and fees.2. Lock-in feature allows up to five fixed-rate amounts at any one time. Monthly payment for fixed-rate is based on payment per $1,000 for term and rate shown above. First rate lock is free; $35.00 for each additional. Minimum fixed-rate loan amount is $5,000.
3. VPR is Variable Periodic Rate. VPR is subject to change monthly. Your rate may vary based on your creditworthiness, loan to value ratio and repayment option. Minimum line of credit amount is $10,000. If a balance remains on the line of credit at the maturity of the 20 year mortgage, a balloon payment may result. MINIMUM PAYMENT EXAMPLE: If you made only the minimum monthly payment and took no other credit advances it would take 20 years to pay off a credit advance of $10,000 at an ANNUAL PERCENTAGE RATE of 4.00%. During that period, you would make 120 payments of $30.68 to $33.97, followed by 119 payments of $41.79 to $125.00 and a final balloon payment of $3,354.77.
