Online Banking Login

Forgot Password [?]
Search
Close this search box.

Loan Rates

Loan Rates

Please contact the loan department at 515-645-9334 for additional information.

loan rates effective as of 12-07-2023

Loan Type

*APR as low as

Monthly Term

New Auto (2023-2025)

5.60%

6.35%

6.55%

6.95%

0-36

37-63

64-75

76-84

Used Auto (2015-2022)

6.90%

7.45%

7.85%

0-63

64-75

76-84

Boat, Motorcycle, ATV, Jet Ski, Lawn Tractor (2023-2025)

6.85%

7.85%

0-63

64-75

Boat, Motorcycle, ATV, Jet Ski, Lawn Tractor (2015-2022)

7.40%

8.40%

0-63

64-75

Camper/Motorhome (2023-2025)

8.35%

9.45%

0-87

88-144

Camper/Motorhome (2015-2022)

8.85%

9.95%

0-63

64-75

Unsecured (Line of Credit, Personal Loan, Micro Loan, Vehicles 2014 and Later)

9.95%

0-60

*Rates, terms, and conditions are subject to change daily. Rates are based on qualifications, including creditworthiness, as well as age and mileage of the vehicle, if applicable. All loans subject to approval. Not all borrowers will qualify for the same rate. Other restrictions may apply. For a $15,000 auto loan with a term of 60 months and 5.60% APR, the monthly payment will be $287.23. Term will vary based on loan amount, 64 month term requires loan amount greater than $10,000 and 76 month term requires loan amount greater than $20,000. See credit union for full details. See home page for special promotional rates. Some offers will end without notice and are available for a limited time offer. Federally insured by the NCUA.

**Minimum payment for line of credit is based off the month end balance with a minimum payment of $25/mo. OD Transfer fee of $5 does apply per transaction.  No participation fees.

Credit Card Rates

Interest Rates & Interest Charges

MasterCard Rewards

MasterCard Savvy

Annual Percentage Rate (APR) for Purchases

12.9% APR

9.9% APR

APR For Balance Transfers

12.9% APR

9.9% APR

APR For Cash Advance

12.9% APR

9.9% APR

How we will calculate your balance: We use the method called “average daily balance (including new purchases).”

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.

OTHER DISCLOSURES:

Late Payment: Up to $15 of the amount of the required minimum payment, whichever is less, if we do not receive your payment by the due date listed on your billing statement.

Returned Payment: Up to $31 or the amount of the required minimum payment, whichever is less

Rates, fees, and terms may change: Subject to the applicable restrictions, we may change the rates, fees, and terms of your account at any time for any reason. These reasons may be based on information in your credit report, such as your failure to make payments to other creditors when due, amounts owed to other creditors, the number of credit accounts outstanding or the number of credit inquiries. These reasons may also include competitive or market-related factors. If we make a change for any of these reasons, you will receive a 45-day notice in writing and a right to opt out in accordance with applicable law. 

Mortgage Rates effective as of 12-01-2023

Real Estate Loans

Term

*APR as low as

Purchase/Refinance

30 Year
15 Year

Please contact us for current rates and terms.

6.000%

Adjustable Rate First Mortgage

5/5ARM

Please contact us for current rates and terms.

"10 to Go" Fixed Refinance**

10 Year

6.000%

Home Equity Fixed

5 Year
7 Year
10 Year

6.00%
6.50%
7.00%

Home Equity Line of Credit***

20 Year

8.00%

Mortgage Rates:  Due to current market conditions, mortgage rates may change throughout the day. The rates above may not reflect the most recent changes.

*APR = Annual Percentage Rate based on product, term, and credit. Check with your tax advisor regarding deductibility. All loans subject to approval. Terms and conditions apply.

** “10 to Go” is a Fixed Rate product which requires a 1st lien position and applies to refinance only. A maximum Loan-to-value ratio may not exceed 80%.

***Home Equity Lines of Credit are an adjustable rate product based on Prime + a margin (Floor rate 4.00%) and have a 10 year “draw period” in which advances can be made a 10 year repayment period.