Loan & Deposit Rates
Loan Rates
Rates effective as of January 5, 2026
Auto Loans
| Term | APR* |
|---|---|
| 1-36 Months | As low as 5.99% |
| 37-48 Months | As low as 5.99% |
| 49-60 Months | As low as 5.99% |
| 61-72 Months | As low as 6.49% |
| 73-84 Months | As low as 6.99% |
*APR = Annual Percentage Rate. All rates are based on credit history and qualifications. Rates are subject to change.
Personal Loans
| Loan Type | APR* |
|---|---|
| Line of Credit | As low as 9.50% |
| Signature Loans | As low as 9.50% |
| Vacation Loans | As low as 9.50% |
| Home Improvement | As low as 9.50% |
*APR = Annual Percentage Rate. All rates are based on credit history and qualifications. Rates are subject to change.
Mortgage Loans
| Loan Type | APR* |
|---|---|
| Fixed Rate | Call for rates |
| Five-Year ARM | Call for rates |
| Home Equity Line of Credit | As low as 5.25% |
| Fixed 2nd Mortgage
Installment Account with Fixed Rate |
As low as 7.75% |
*APR = Annual Percentage Rate. All rates are based on credit history and qualifications. Rates are subject to change.
Credit Cards
| Card Type | APR* |
|---|---|
| Visa Platinum Rewards | As low as 9.25% |
| Visa Platinum Cash Back | 17.25% |
*APR = Annual Percentage Rate. All rates are based on credit history and qualifications. Rates are subject to change.
Savings Rates
Rates effective as of January 5, 2026
Traditional Savings
| Account Type | Dividend Rate | APY** |
|---|---|---|
| Regular Share/Savings | 0.15% | 0.15% |
| IRA Savings | 0.15% | 0.15% |
| Holiday Club | 0.15% | 0.15% |
| Vacation Club | 0.15% | 0.15% |
| Kids Club | 0.15% | 0.15% |
**APY = Annual Percentage Yield. Rates are subject to change.
Money Market Savings Account
| Term | Dividend Rate | APY** |
|---|---|---|
| $500 - $9,999 | 1.69% | 1.70% |
| $10,000 - $24,999 | 1.83% | 1.85% |
| $25,000 - $99,999 | 2.08% | 2.10% |
| $100,000 - $299,999 | 2.37% | 2.40% |
| $300,000 & greater | 2.86% | 2.90% |
**APY = Annual Percentage Yield. Rates are subject to change.