young man sitting in a car and taking the keys from someone out of frame

Loan Rates

Vehicle/Visa/Signature Loan Rate

Rates Effective: 12/1/2025

Type  APR (Annual Percentage Rate 
New Vehicle 5.00%
Used Vehicle 5.50%
Visa Card 9.00%
Unsecured Signature Loan 11.00%

*Share Secured Loan is 2% above the rate earned on the secured shares.

For example a new vehicle loan at 5.00% A. P. R. has 60 monthly payments of $18.87 per $1,000 borrowed. a used vehicle loan at 5.50% A. P. R. has 60 monthly payments of $19.10 per $1,000 borrowed.

 

Home Loan Rates

Primary Residence - 70% Loan to Value Maximum
NMLS #810491
 
Rates Effective: 12/11/2025 - 12/17/2025

 

First Mortgage Refinance up to $600,000 Maximum

Type Rate APR (Annual Percentage Rate)
15 year - 1% point + title & escrow 5.54% 5.70%
30 year - 1% point + title & escrow 6.22% 6.32%
 

Second Mortgages up to $300,000 Maximum

Type APR (Annual Percentage Rate) Fixed/Variable
10 year maximum - 0% points + title & escrow 5.75% Fixed
15 year maximum - 0% points + title & escrow 6.25% Fixed
20 year maximum - 0% points + title & escrow 6.75% Fixed
 

* Rates vary weekly - call us at 682-2467 for additional information.

  • Example 15 year first mortgage at a rate of 5.54%, 5.70% A. P. R. has 180 monthly payments of $8.19 per $1,000 borrowed.
  • Example 30 year first mortgage at a rate of 6.22%, 6.32% A. P. R. has 360 monthly payments of $6.14 per $1,000 borrowed.
  • Example second mortgage for 10 years at 5.75% A. P. R. has 120 monthly payments at $10.98 per $1,000 borrowed.
  • Example second mortgage for 15 years at 6.25% A. P. R. has 180 monthly payments at $8.57 per $1,000 borrowed.
  • Example second mortgage for 20 years at 6.75% A. P. R. has 240 monthly payments at $7.60 per $1,000 borrowed.