Effective as of January 1, 2023

Vehicle Loans

(Autos, Trucks, Motorcycles, ATVs, Campers, RVs, Boats, Jet Skis, Snowmobiles, etc.)

Model YearTermAPR
Up to 3 yearsup to 84 monthsas low as 2.99%
3+ Yearsup to 60 monthsas low as 4.00%

Consumer Loans

Loan TypeTermAPR
Personal Loanup to 60 monthsas low as 8.50%
Personal Line of CreditRevolving11.00%
Financial Statement Loan48 months8.25%
Overdraft Loann/a18.00%
Christmas Loan (only available at certain times)10 months4.25%

Credit Cards

Card TypeAPR
Visa Credit Card9.99%

Share Secured Loans

Loan TypeTermAPR
Share Secured Loan60 months2.25%*
Share Certificate LoanBased on CD Maturity2.00% over the Certificate rate
Share Secured Line of CreditRevolving2.25%*
*Share Secured Loans are variable rate, 2.00% above share earning rate

Real Estate Loans

Loan TypeTermAPR
Home Equity Loann/a6.00% Variable
1st Mortgage Home/Land7 Years w/ Balloon5.50%
1st Mortgage Home/Land10 Years6.00%
1st Mortgage Home/Land15 Years7.00%
Construction Loan1 Year6.00%
Home Equity Loan rate is adjusted every March and September

Mobile Home Loans

Loan TypeTermAPR
Mobile Home Only10 Years6.50%
Mobile Home with Lot10 Years6.50%
Mobile Home Onlyup to 10 Years6.50% Variable
Mobile Home with Lotup to 10 Years6.50% Variable
Variable-Rate mobile home loans are adjusted quarterly

Business/Agricultural Loans

Loan TypeTermAPR
Operating Loan12 months9.50% Variable
Chattel Fixed-Rate Loan60 months5.50%
Chattel Variable-Rate Loan60 months10.00% Variable
Financial Statement Tier 1 (up to 25%)60 months10.50% Variable
Financial Statement Tier 2 (over 25%)60 months12.00% Variable
Operating Loan, Financial Statement and Chattel Variable Loan are variable rate loans, based on Prime and adjusted quarterly

APR = Annual Percentage Rate, is simple interest without compounding. For example, $10,000 @ 6.00 APR for 2 years will produce $600 of interest per year (or $300 semiannually, or $150 quarterly, or $50 monthly).