Rates as of September 24, 2014 per board approval. Rates are subject to change without notice.

20 - 30 YR. MORTGAGE *APR NMLS # 811861
Real Estate - A.R.M. (1st-90%) 4.75%   

(Prime Rate + 1.5%)

Real Estate - A.R.M. (2nd-80%) 7.25% (Prime Rate + 4.0%)
Real Estate - Fixed 9.00%
   
OTHER LOANS
   
Mobile Home 8.00%  
Signature 8.00%  
Line of Credit 14.50%  
Share Loan (2 Yr. Loan) 2.00% over Passbook rate  
Share Loan (Over 2 Yrs.) 3.00% over Passbook rate  
Certificate Loans 2.00% over CD rate  
4-H Loans 4.00% Maximum $4,000.00
Other 8.00%  
VEHICLE & MOTORCYCLE
   
All car loans will be valued for financing per the NADA book.
New Vehicles 72 months  
2010-2013 60 months  
2007-2009 48 months  
2004-2006 36 months  
2003-0lder 24 months  
BEACON  SCORE
APR*
LOAN TO VALUE %
730 + 2.4% 100%
700 - 729 2.9% 100%
650-699 4.9% 90%
600-649 6.9% 80%
**550-599 7.9% 70%
**549- or less 8.9% 70%
*APR is the Annual Percentage Rate.
Vehicle rate will vary depending on the applicant's Beacon score.
**599-550 must have a co-signor that has a beacon score above 650 & below 550 must have a co-signor that has a Beacon score over 700. 
*** Members with no beacon score will be in the 600-649 category.
Tips to improve your credit score.