Consumer Loan Rates

Effective Date: Tuesday, October 22, 2019

Consumer Loan Rates

Rate
New or Used Autos or Harley Davidson Motorcycles (36 months or less) 3.25% - 13.25% APR
New or Used Autos or Harley Davidson Motorcycles (60 months or less)3.25% - 13.25% APR
New or Used Autos or Harley Davidson Motorcycles (72 months or less)3.50% - 13.50% APR
New Autos or Harley Davidson Motorcycles(84 months or less)4.25% - 14.25% APR
Classic Used Autos (72 months or less)8.50% - 18.00% APR
Line of Credit (Up to $20,000) 10.50% - 18.00% APR
Personal Loan (up to 72 months)11.50% - 18.00% APR
Savings Secured (up to 120 months)Savings Rate plus 2.75%
Furniture & Appliance (60 months or less)7.00% - 17.00% APR
Boats (60 months or less)4.00% - 14.00% APR
Boats (72 months or less)4.50% - 14.50% APR
Boats (84 months or less)5.00% - 15.00% APR
Boats (120 months or less)6.25% - 16.25% APR
Motorcycles/Four Wheelers (60 months or less)4.00% - 14.00% APR
Motorcycles (72 months or less)4.50% - 14.50% APR

Vacation (12 months up to $1,500)

11.00% - 18.00% APR
Student Loans (up to 48 months)7.00% - 15.00% APR
Emergency Home Improvement (up to 24 months)10.00% - 18.00% APR
Certificate SecuredCertificate Rate plus 2.50%
Tractors (84 months or less)5.00% - 15.00% APR
Stock Trailers (84 months or less)5.00% - 15.00% APR
RVs (60 months or less)5.00% - 15.00% APR
RVs (84 months or less)5.75% - 15.75% APR
RVs (120 months or less)6.25% - 16.25% APR
RVs (144 months or less)6.50% - 16.50% APR
Platinum MasterCard8.90% - 14.90% APR

APR indicates annual percentage rate. Monthly payment amount approximately $18.83 on $1,000 for 60 months at 4.90% APR. Loans available to qualified members only. Rates subject to change at any time without notice. 

Real Estate Loans

Effective Date: Tuesday, October 22, 2019

Real Estate Loans

APR (as low as)
Home MortgagesPlease Call 409-988-1300
BarndominiumsPlease Call 409-988-1300
ConstructionPlease Call 409-988-1300
Home Equity (5 years and below)3.743%
Home Equity (7 years and below)3.743%
Home Equity (10 years and below)3.998%
Home Equity (15 years and below)4.250%
Home Equity (20 years and below)4.540%
Land (5 years and below)6.809%
Land (7 years and below)6.594%
Land (10 years and below)6.937%
Land (15 years; $30,000 and over)7.317%
Home Improvement (up to 5 years)4.497%
Home Improvement (up to 7 years)4.999%
Home Improvement (up to 10 years)5.902%
Home Improvement (up to 15 years offered for the first lien only)6.002%
Rental/Investment Property (up to 10 years) (maximum loan amount $50,000)7.168%
Rental/Investment Property (up to 15 years) (maximum loan amount $50,000)7.737%
Improvements on Unimproved Land 6.1780%

The annual percentage rate (APR) is the cost of credit over the term of the loan expressed as an annual rate. The annual percentage rate (APR) for land loans and home improvement loans is based on a $50,000.00 loan for the stated term and includes customary closing costs. The annual percentage rate (APR) for investment/rental property loans is based on a $50,000.00 loan for the stated term and includes customary closing costs.

Deposit Account Rates

Effective Date: Tuesday, October 22, 2019

Deposit Accounts

Rate
Savings.25% APY
Checking.15% APY (With minimum balance of $2,500)
IRA1.00% APY
Christmas Club.25% APY
Certificate - 6 months1.25% APY
Certificate - 12 months1.60% APY
Certificate - 18 months1.85% APY

APY indicates annual percentage yield. Rates subject to change at any time without notice. 

Savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. NCUA - National Credit Union Administration, a U.S. Government Agency.