Loan Rates

Loan Rate Discount

Save .25% with automatic payments on your loan.  Loan rates are reduced by .25% if your loan payment is made by automatic transfer from your savings or checking account. This discount applies to all loans except Visa, Student Loans, Home Equity and Mortgage. Loan rates shown are reduced by the .25%.

Well qualified members save even more. A credit score of 700-775 earns an additional .50% rate reduction on our any purpose, vehicle, RV, boat or motorcycle loan. A full 1.0% rate discount applies for borrowers with credit scores of 776 or higher. The rates posted below are for credit scores of 650 – 699. We use FICO Classic 09 to determine credit scores. This discount applies to all loans except Visa, Student Loans, Home Equity and Mortgage.

All rates as of and are subject to change. Programs, rates, terms and conditions are subject to change without notice.

Mortgages

As low as 0% down

Mortgages

We currently offer an in-house 5/1 ARM. Please contact our office at (906) 485-1210 for more information.

 

Home Equity Credit Line

Please contact our office at (906) 485-1210 for our current rates.

 

New Autos

No down payment needed.

TermAPRMonthly Payment per $1,000Requirement
36 months2.75%$28.98
48 months3.25%$22.25
60 months3.75%$18.31
72 months4.25%$15.77$15,000+ financed
84 months5.00%$14.14$30,000+ financed

 

Used Autos

No down payment needed.

TermAPRMonthly Payment per $1,000Requirement
36 months2.75%$28.98
48 months3.25%$22.25
60 months3.75%$18.31
72 months4.25%$15.77Some restrictions apply.
84 months5.00%$14.14Classic/Antique vehicles.

 

New RVs, Boats, Motorcycles, Campers

No down payment needed. Up to a 10 year loan term on new and used RVs or boats. Rate is the same as our new our used 60 month loan with a balloon payment after 60 months.

TermAPRMonthly Payment per $1,000Requirement
36 months2.75%$28.98
48 months3.25%$22.25
60 months3.75%$18.31
72 months4.25%$15.77
84 months5.00%$14.14
120 months5.50%$10.86Fixed - $30,000+

 

Used RVs, Boats, Motorcycles, Campers

No down payment needed. Up to a 10 year loan term on new and used RVs or boats. Rate is the same as our new our used 60 month loan with a balloon payment after 60 months.

TermAPRMonthly Payment per $1,000
36 months2.75%$28.98
48 months3.25%$22.25
60 months3.75%$18.31
72 months4.25%$15.77

 

Any Purpose Loans

Total combined any purpose loan balance and VISA limit may not exceed $35,000.

TermAPRMonthly Payment per $1,000Maximum
36 months8.50%$31.58$25,000
48 months9.00%$24.89$25,000
60 months9.50%$21.01$25,000
72 months10.00%$18.54$25,000
VISA (revolving)11.90%$20,000 (no annual fee)

 

Share Secured

TermAPRMonthly Payment per $1,000
Up to 36 months2.00%$28.65
Up to 72 months3.25%$15.31