Consumer Loan Rates

Effective Date: Friday, September 30, 2022

Consumer Loan Rates

Rate
New or Used Autos or Harley Davidson Motorcycles (36 months or less) 3.00% - 13.00% APR
New or Used Autos or Harley Davidson Motorcycles (60 months or less)3.50% - 13.50% APR
New or Used Autos or Harley Davidson Motorcycles (72 months or less)4.00% - 14.00% APR
New Autos or Harley Davidson Motorcycles(84 months or less)4.50% - 14.50% 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%

Credit Builder

6.00%

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 $2,000)

5.00% - 13% APR
Student Loans (up to 48 months)7.00% - 15.00% APR
Emergency Home Improvement (up to 48 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 $17.53 on $1,000 for 60 months at 2.00% APR. Loans available to qualified members only. Rates subject to change at any time without notice. 

Real Estate Loans

Effective Date: Friday, September 30, 2022

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 (1st lien 5 years and below)

Rate 4.50%, APR 4.50%

Home Equity (1st lien 7 years and below)Rate 4.50%, APR 4.50%
Home Equity (1st lien 10 years and below)Rate 4.50%, APR 4.50%
Home Equity (1st lien 15 years and below)Rate 4.75%, APR 4.75%
Home Equity (1st lien 20 years and below)Rate 5.00%, APR 5.00%
Home Equity (1st lien 30 years and below)Rate 5.25%, APR 5.25%
Land (5 years and below)Rate 5.25%, APR 6.190%
Land (7 years and below)Rate 5.25%, APR 5.941%
Land (10 years and below)Rate 5.75%, APR 6.256%
Land (15 years; $30,000 and over)Rate 6.00%, APR 6.361%
Home Improvement (up to 5 years)Please Call 409-988-1300
Home Improvement (up to 7 years)Please Call 409-988-1300
Home Improvement (up to 10 years)Please Call 409-988-1300
Home Improvement (up to 15 years)Please Call 409-988-1300
Rental/Investment Property (up to 10 years) (maximum loan amount $50,000)Please Call 409-988-1300
Rental/Investment Property (up to 15 years) (maximum loan amount $50,000)Please Call 409-988-1300
Improvements on Unimproved Land Please Call 409-988-1300

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. APR indicates annual percentage rate. Monthly payment amount approximately $17.97 on $1,000 for 60 months at 3.00% APR. Taxes and Insurance are not included in the approximate monthly payment.  Loans available to qualified members only. Rates subject to change at any time without notice. 

Deposit Account Rates

Effective Date: Friday, September 30, 2022

Deposit Accounts

Rate
Savings.15% APY
Checking.05% APY (With minimum balance of $2,500)
IRA0.20% APY
Christmas Club.15% APY
Certificate - 6 months1.75% APY
Certificate - 12 months2.25% APY
Certificate - 18 months2.50% APY
Certificate - 36 months2.75% APY
Certificate - 60 months3.25% APY

APY indicates annual percentage yield. Rates subject to change at any time without notice. Early withdrawal penalties may apply. Fees incurred could reduce earnings. 

Minimum $5 deposit for savings and Christmas club accounts. Minimum $50 deposit for checking accounts. Minimum $1,000 deposit for IRA accounts. Minimum $1,000 deposit for certificates. 

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.