Rates

Rates effective as of 02/18/2020.
All rates, terms and conditions subject to change.
*Rates are variable and may change after account is opened. Fees may reduce earnings.

Rates effective as of 02/18/2020.
All rates, terms and conditions subject to change.
*Rates are variable and may change after account is opened. Fees may reduce earnings.

Rates effective as of 02/18/2020.
All rates, terms and conditions subject to change.
*Rates are variable and may change after account is opened. Fees may reduce earnings.

Rates effective as of 02/18/2020.
All rates, terms and conditions subject to change.
Fees may reduce earnings. Early withdrawal penalties may apply.

Rates effective as of 02/18/2020.
All rates, terms and conditions subject to change.
Early withdrawal penalties may apply.

Rates effective as of 02/18/2020.
All rates, terms and conditions subject to change.
Fees may reduce earnings. Early withdrawal penalties may apply.

Rates effective as of 02/18/2020.
All rates, terms and conditions subject to change.
*Rates are variable and may change after account is opened. Fees may reduce earnings. Accounts with less than $1,000 will not earn dividends. Dividends compounded and paid monthly.

New Motorcycle/Off-Road ATV Loan Rates

Used Motorcycle/Off-Road ATV Loan Rates

Rates effective as of 02/18/2020.
All rates, terms and conditions subject to change.
Rates and terms will vary based on the credit worthiness of individual applicants.

New Recreational* Vehicle Loan Rates

Used Recreational* Vehicle Loan Rates

Rates effective as of 02/18/2020.
All rates, terms and conditions subject to change.
Rates and terms will vary based on the credit worthiness of individual applicants.
*Recreational Vehicle/Motor Homes must contain living and sleeping facilities.
Collateral conditions apply.

New Watercraft Loan Rates

Used Watercraft Loan Rates

Rates effective as of 02/18/2020.
All rates, terms and conditions subject to change.
Rates and terms will vary based on the credit worthiness of individual applicants.

Rates Effective As Of 02/18/2020.
All rates, terms and conditions subject to change.
Rates and terms will vary based on the credit worthiness of individual applicants.

Rates Effective As Of 02/18/2020.
All rates, terms and conditions subject to change.
¹Rates and terms will vary based on the credit worthiness of individual applicants.
²Your monthly payment will be 3% of the credit limit with a minimum of $25.

There is no grace period and interest will begin to accrue on the date of the transaction or advance.

Rates Effective As Of 02/18/2020.
All rates, terms and conditions subject to change.
Rates and terms will vary based on the credit worthiness of individual applicants.

¹Payment per $1000 is based on a 36 month term with an APR of 5.00%.
²Payment per $1000 based on a 144 month term with an APR of 5.00%.

Rates Effective As Of 02/18/2020.
All rates, terms and conditions subject to change.
Rates and terms will vary based on the credit worthiness of individual applicants.

Minimum loan amount: $200
Minimum loan repayment term: One (1) month
Membership must be open 30 days prior to application.
Maximum of three (3) MicroLoans in a rolling six (6) month period, with one (1) MicroLoan at a time.

Rates Effective As Of 02/21/2020.
All rates, terms and conditions subject to change.
Rates and terms will vary based on the credit worthiness of individual applicants.
Upon underwriting approval, the appraisal fee will be collected before the appraisal will be ordered.
*Conventional Payment Example: A loan amount of $510,400 for 30 years at 3.294% APR would have a monthly payment of $2,221. This example does not include taxes and insurance. Your actual payment obligation will be higher.
Annual Percentage Rates (APR) are based on loan amounts of $510,400 for conforming loans plus pre-paid fees and 95% loan-to-value (LTV) ratio. Private Mortgage Insurance is required on loans over 80% LTV.

Rates Effective As Of 02/21/2020.
All rates, terms and conditions subject to change.
Rates and terms will vary based on the credit worthiness of individual applicants.
*VA Payment Example: A $510,400 loan for 30 years at 3.603% APR would have a monthly payment of $2,221 This example does not include taxes and insurance. Actual payment obligation will be higher.
Annual Percentage Rates (APR) based on loan amount of $510,400.

Rates Effective As Of 02/21/2020.
All rates, terms and conditions subject to change.
Rates and terms will vary based on the credit worthiness of individual applicants.
*FHA Payment Example: A $314,827 loan for 30 years at 4.453% APR would have a monthly payment of $1,444 This example does not include taxes and insurance. Actual payment obligation will be higher.
Mortgage Insurance Premium (MIP) is required on all FHA loans for life regardless of the loan to value.
FHA Maximum Loan Amounts: 1 unit=$331,760 | 2 unit = $424,800 | 3 unit = $513,450 | 4 unit = $638,100
Annual Percentage Rates (APR) are based on loan amount of $331,760

Rates Effective As Of 02/21/2020.
All rates, terms and conditions subject to change.
Rates and terms will vary based on the credit worthiness of individual applicants.
*Manufactured Payment Example: A $510,400 loan for 30 years at 3.375% APR would have a monthly payment of $2,221. This example does not include taxes and insurance. Your actual payment obligation will be higher Annual Percentage Rates (APR) are based on loan amounts of $510,400 for conforming loans plus pre-paid fees and 80% loan-to-value (LTV) ratio and does not include Private Mortgage Insurance (PMI). PMI is required on loans over 80% LTV.
Manufactured homes must be on a permanent foundation and a recorded “Notice of Manufactured Home, Mobile Home, or Commercial Coach Installation on a Foundation system,” also known as 433A, must be presented to us prior to approval. (Primary Residence and Vacation Homes).

Rates Effective As Of 02/21/2020.
All rates, terms and conditions subject to change.
Rates and terms will vary based on the credit worthiness of individual applicants.
***Investment ARM Payment Example: A loan amount of $510,400, for 15 years at 3.206% APR would have a monthly payment of $3,555. This example does not include taxes and insurance. Actual payment obligation may be higher.
Minimum 20% down payment is required on all property types.
Annual Percentage Rates (APR) are based on loan amounts of $510,400 for conforming loans plus prepaid fees and 80% loan-to-value (LTV) ratio and does not included Private Mortgage Insurance (PMI). PMI is require on loans over 80% loan to value (LTV).
Adjustable Rate Mortgages 5/5 (ARM) has a fixed rate for an initial period of five years; then adjusts every five years thereafter and requires a minimum 20% down. Subject to index, margin, and periodic rate caps. Adjustable rate will be based on the weekly average yield on United States treasury securities adjusted to a constant maturity of five years.
³A balloon payment will be due and payable on the 15- year maturity date. Subject to index, margin, and periodic rate caps. Adjustable rate will be based on the weekly average yield on United States Treasury securities adjusted to a constant maturity of five years.

Rates Effective As Of 02/19/2020.
All rates, terms and conditions subject to change.
Rates and terms will vary based on the credit worthiness of individual applicants.
5/5 ARM Conforming loan payment example: A $510,400 loan for 30 years at 3.168% APR would have a monthly payment of $2,186. This example does not include taxes and insurance. Actual payment obligation will be higher.
5/5 Jumbo ARM loan payment example: A $750,000 loan for 30 years at 3.158% APR would have a monthly payment of $3,213. This example does not include taxes and insurance. Actual payment obligation will be higher.
Jumbo loans are loan amounts starting at $510,401. Minimum 10% down required.
Annual Percentage Rates (APR) are based on loan amounts of $750,000 for Jumbo loans plus pre-paid fees and 80% loan-to-value (LTV) ratio.
*Additional Information about our Adjustable Rate Mortgages (ARM) – The APR, interest rate and principal and interest payment are subject to increase/decrease and will change after the loan is closed due to market-driven changes to the index.

Rates Effective As Of 02/19/2020.
All rates, terms and conditions subject to change.
Rates and terms will vary based on the credit worthiness of individual applicants.
7/1 ARM Conforming loan payment example: A $510,400 loan for 30 years at 3.168% APR would have a monthly payment of $2,186. This example does not include taxes and insurance. Actual payment obligation will be higher.
Annual Percentage Rates (APR) are based on loan amounts of $510,400 for conforming loans plus pre-paid fees and 80% loan-to-value (LTV) ratio.
7/1 ARM Jumbo loan payment example: A $750,000 loan for 30 years at 3.158% APR would have a monthly payment of $3,3213. This example does not include taxes and insurance. Actual payment obligation will be higher.
Jumbo loans are loan amounts starting at $510,401. Minimum 20% down required.
Annual Percentage Rates (APR) are based on loan amounts of $750,000 for Jumbo loans plus pre-paid fees and 80% loan-to-value (LTV) ratio.
*Additional Information about our Adjustable Rate Mortgages (ARM) – The APR, interest rate and principal and interest payment are subject to increase/decrease and will change after the loan is closed due to market-driven changes to the index.

Rates Effective As Of 02/18/2020.
All rates, terms and conditions subject to change.
Rates and terms will vary based on the credit worthiness of individual applicants.
**Payment Example: A $35,000 loan at 6.50% would have 240 monthly payments of $260.95. Property must be owner occupied. A full appraisal may be required based on the loan amount or combined loan to value.

Rates Effective As Of 02/18/2020.
All rates, terms and conditions subject to change.
Rates and terms will vary based on the credit worthiness of individual applicants.
The above Annual Percentage Rates were calculated using a loan of $35,000.
+Additional information about our Adjustable Rate Mortgage (ARM) - The APR, interest rate, and principal and interest payment are subject to increase/decrease and will change after the loan is closed due to market-driven changes to the index. The APR cannot increase more than 2% per year, and not more than 6% over the life of the loan. The APR will never exceed 15%.
Property must be owner occupied. Hazard insurance is required on the property being used as collateral. Interest may be tax deductible, consult your tax advisor for more information. A full appraisal may be required based on the loan amount or combined loan to value.