Loan Rates
Effective: October 1, 2021
| Loan Type | Minimum APR* | Maximum APR* | Term |
| New/Used Auto | 1.99% | 10.99% | up to 84 mos. |
| Older Model Autos ***term varies with amount financed | 3.49% | 12.49% | up to 48 mos.*** |
| Fresh Start Auto Loans | – | 17.99% | up to 60 mos.*** |
| New or Used: RV’s Watercraft, Motorcycles, Motor Homes, ATV’s, Golf Carts, Farm Tractors | 1.99% | 7.99% | varies |
| Personal Loans | 10.00% | 18.00% | up to 48 mos. |
| VISA® Platinum Credit Cards | 8.90% | 17.90% | – |
| Share Secured VISA® Credit Cards | – | 10.90% | – |
| New Mobile Homes | 10.00% | 10.00% | up to 120 mos. |
| Used Mobile Homes | 11.00% | 11.00% | up to 84 mos. |
| Share Secured (3% above Regular Shares Dividend Rate) | – | – | up to 120 mos. |
| Certificate Secured (rate on your Certificate plus 2%) | – | – | up to 120 mos. |
*APR = Annual Percentage Rate. Actual loan rate is dependent on credit rating.
Loans are subject to credit approval. Term may vary depending on model year of collateral.
Rates quoted are subject to change without notice. Mortgage loans, VISA credit cards and share secured loans are not eligible for Member Reward$ discounts. Certain restrictions apply.
Mortgage Rates
Effective: October 1, 2021
7-Year First Mortgage (1.00% Origination Fee): (706) 855-2224
| Rate | Points | APR* |
| Call for current Mortgage rates | None |
15-Year First Mortgage (1.00% Origination Fee): (706) 855-2224
| Rate | Points | APR* |
| Call for current Mortgage rates | None |
Home Equity Lines of Credit (call for current rates) Credit Union pays closing costs on most HELOC’s: (706) 855-2224
| Rate | Points | APR* |
| Call for current HELOC rates | None |
Acreage (1.00% Origination Fee)
| Rate | Points | APR* |
| Call for current rates | None |
*APR = Annual Percentage Rate
Loans are subject to credit approval.
Rates quoted are subject to change without notice.
Call the credit union for more information regarding Real Estate Loans.
(706) 855-2224