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Loan Rates

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Consumer Loan Rates

Prime = 7.25% APR | Current as of November 17, 2025

New Auto, Truck & Motorcycle (Boat, Camper, RV, ATV or PWC loans are the rate shown plus a 0.50% APR premium)
Term	APR*
60 months or less	5.00%
61-72 months	5.25%
73-84 months	5.50%
85-96 months	5.75%
97-120 months	6.00%
5 Year Adjustable	5.50%

Personal/Signature, Line of Credit & Credit Card
Loan Type	APR*
Signature/Line of Credit	9.99%
Credit Card	Prime + 4.00%

Home Loans**
Term	APR*
5 Years	5.00%
7 Years	5.25%
10 Years	5.50%
15 Years	5.75%
20 Years	6.00%
30 Years	6.25%

Vacant Land Loans**
Loan Type	APR*
Vacant Land	6.75%

Home Equity – Adjustable Rate**
Term	APR*
3/3 ARM (30-Year Term)	5.25%
5/5 ARM (30-Year Term)	5.50%
7/7 ARM (30-Year Term)	5.70%
3/3 ARM (15-Year Term)	4.75%
5/5 ARM (15-Year Term)	5.00%
7/7 ARM (15-Year Term)	5.25%

*

APR = Annual Percentage Rate. Rates listed are “as low as” depending on credit score.

**

Other terms and conditions may apply.

If you're ready to get started you can become a member online right now. Or feel free to stop by any convenient branch or give us a call at 231.348.7690, or toll-free at 866.890.3670.