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Lending Rates

Explore lending rates for our various loan products.

Adjustable Rate Mortgages

The rates shown are based on a $250,000 loan up to the maximum term length for a single family home. Payments represent principal and interest only; taxes and insurance are not included. Therefore, the actual payment obligation will be greater.

Loan typeLoan-to-valueRates (APR1,2,3) as low asMonthly payment
5-Year ARM†80% or less5.875% (5.968% APR)$1,478.84 (years 1-5)
$1,478.84 (years 6-30)
5-Year ARM†80.01 - 90%6.200% (6.401% APR)$1,531.17 (years 1-5)
$1,556.44 (years 6-30)
5-Year ARM†90.01 - 100%6.525% (6.831% APR)$1,584.28 (years 1-5)
$1,635.91 (years 6-30)
First-Time Homebuyer's (5-Year ARM†)100%46.525% (6.831% APR)$1,584.28 (years 1-5)
$1,635.91 (years 6-30)
†Maximum term of 30 years

Disclosures

Fixed Rate Mortgages

These rates are based on a $250,000 loan up to the maximum term length for a single family home. Payments represent principal and interest only; taxes and insurance are not included. Therefore, the actual payment obligation will be greater.

Loan typeLoan-to-valueRates (APR1,2) as low asMonthly payment
10-Year Fixed Rate90% or less5.550% (5.769% APR)$2,719.35
10-Year Fixed Rate90.01 - 95%5.750% (5.970% APR)$2,744.23
15-Year Fixed Rate90% or less5.750% (5.905% APR)$2,076.03
15-Year Fixed Rate90.01 - 95%6.050% (6.206% APR)$2,116.40
20-Year Fixed Rate90% or less6.325% (6.451% APR)$1,838.27
20-Year Fixed Rate90.01 - 95%6.875% (7.004% APR)$1,919.53
30-Year Fixed Rate90% or less6.625% (6.722% APR)$1,600.78

Disclosures

Lines of credit

Loan typeAPR1,5 as low as
Home Equity Line of Credit7.50%6*
*New lines of credit available for initial APR of 7.50% until the first quarterly rate change based on current index rate and margin. Future rates and payments determined by adding a margin of 2.25% to the index.
Loan typeAPR1 range
Visa® Credit Card13.00% - 16.00%7
Open-End Signature13.00% - 16.00%5,6

 New auto loans

TermAPR1,5 range
36 months5.50% - 7.50%
48 months5.75% - 7.75%
60 months6.00% - 8.00%
72 months6.25% - 8.25%
84 months7.00% - 9.00%
96 months7.75% - 9.75%

Disclosures

 Used auto loans

0-5 years old

TermAPR1,5 range
36 months6.50% - 8.50%
48 months6.75% - 8.75%
60 months7.00% - 9.00%
72 months7.25% - 9.25%

6-10 years old

TermAPR1,5 range
36 months7.50% - 9.50%
48 months7.75% - 9.75%
60 months8.00% - 10.00%
72 months8.25% - 10.25%

Disclosures

Personal Loans

These monthly payments are based on a loan amount of $10,000.

Loan typeTermAPR1,5 as low asMonthly payment
Closed-End Fixed Rate24 months9.25% - 12.25%$458 - $472
Closed-End Fixed Rate48 months9.50% - 12.50%$252 - $266
Closed-End Fixed Rate72 months9.75% - 12.75%$184 - $200
Loan typeTermAPR1,5 as low asMonthly payment
Share-Secured24 months3.10%See example
Share-Secured48 months3.50%See example
Share-Secured120 months7.25%6See example
Signature Term Note6 months11.75%See example
Share-Secured Term Note6 months6.50%See example
STC-Secured Term NoteRemaining term of STCSTC rate + 2%8See example

Disclosures