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.

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.

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

New Autos

No down payment needed.

TermAPRMonthly Payment per $1,000Requirement
36 months3.50%$29.31
48 months4.00%$22.59
60 months4.50%$18.65
72 months5.00%$16.11$15,000+ financed
84 months5.75%$14.50$30,000+ financed

 

Used Autos

No down payment needed.

TermAPRMonthly Payment per $1,000Requirement
36 months3.50%$29.31
48 months4.00%$22.59
60 months4.50%$18.65
72 months5.00%$16.11Some restrictions apply.
84 months5.75%$14.50Classic/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 months3.50%$29.31
48 months4.00%$22.59
60 months4.50%$18.65
72 months5.00%$16.11
84 months5.75%$14.50
120 months6.25%$11.24Fixed - $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 months3.50%$29.31
48 months4.00%$22.59
60 months4.50%$18.65
72 months5.00%$16.11

 

Any Purpose Loans

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

TermAPRMonthly Payment per $1,000Maximum
24 months - Holiday Special5.90%$86.03$1 - $5,000
24 months - Holiday Special4.90% $85.57$5,001 - $10,000
36 months7.90%$31.30$25,000
60 months8.90%$20.72$25,000
72 months9.90%$18.48$25,000
VISA (revolving)11.90%$20,000 (no annual fee)

 

Share Secured

TermAPRMonthly Payment per $1,000
Up to 36 months2.15%$28.71
Up to 72 months3.75%$15.54

 

Home Equity Credit Line

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

 

Mortgages

Please contact our office at (906) 485-1210 for our current rates. To view our Member Advantage Mortgage partnership rates, please click here.