All Rates

Vehicles

Loan TypeAPR* as low asTerm
(*)APR=Annual Percentage Rate - Rates and Terms are subject to change without notification.
New and Used Vehicle (2014 - 2019)
2.19%up to 36 mo.
2.99%up to 48 mo.
3.29%up to 60 mo.
3.99%up to 72 mo.
5.99%up to 84 mo.
Used Vehicle (2009 - 2013)
4.59%up to 48 mo.
5.59%up to 60 mo. if retail value is over $10,000
Used Vehicle (2004 - 2008)
7.99%up to 48 mo.
New ATV/Snowmobile/Motorcycle (2019 listed as new or within 6 mo. of new)
2.49%up to 36 mo.
3.39%up to 48 mo.
4.39%up to 60 mo.
5.39%up to 72 mo.
Used ATV/Snowmobile/Motorcycle (2009 - 2019)
2.99%up to 36 mo.
3.99%up to 48 mo.
4.99%up to 60 mo.
5.99%up to 72 mo.
New Camper/Boat (2019 listed as new or within 6 mo. of new)
3.49%up to 60 mo.
4.49%up to 72 mo.
5.49%up to 84 mo.
6.19%up to 120 mo.
Used Camper/Boat (2009 - 2019)
4.49%up to 60 mo.
5.49%up to 72 mo.
6.49%up to 84 mo.
Older Camper/Boat (2005 - 2008)7.99%up to 48 mo.
Older Camper/Boat (1998 - 2004)8.75%up to 42 mo.

Personal & Shared Secured

Loan TypeAPR* as low asTerm
(*)APR=Annual Percentage Rate - Rates and Terms are subject to change without notification.
Signature Loan10.99%0 to 60 mo.
Co-Maker Loan8.99%0 to 60 mo.
50% Secured by Shares9.60%0 to 60 mo.
100% Secured by Shares2.00% over current savings or share certificate rate0 to 60 mo.

Click Here to apply online for a Credit Union loan, or Click Here to contact us for more details.

Visa Cards

Loan TypeAPR* as low asTerm
(*)APR=Annual Percentage Rate - Rates and Terms are subject to change without notification.
VISA Credit Card10.90%

Click Here to contact us for more details.

Mortgage & Home Equity

Loan TypeAPR*as low asTerm
NMLS ID# 422133 (*)APR=Annual Percentage Rate - Rates and Terms are subject to change without notification.
Home Equity2.99%5 Year
4.82%10 Year
4.33%15 Year
Mortgage LoansVaries15, 20 & 30 year

To apply for a Home Equity loan, you can visit one of our seven locations, or call us for an application.

To apply for a Mortgage, you can visit OwnersChoice Funding.

Share, Clubs, Certificates, IRA’s

TypeAPR*APY*Minimum
Balance
APR* = Annual Percentage Rate
APY*=Annual Percentage Yield.
Share(Savings)0.50%0.50%$5.00
Share Drafts0.0%0.0%N\A
Vacation/Christmas Club Shares0.30%0.30%None
*6 month certificate0.60%0.60%$500
*12 month certificate0.70%0.70%$500
*24 month certificate0.80%0.80%$500
IRA's (Individual Retirement Accounts)1.00%1.00%None

Rates are subject to change without notice.

Dividends are paid from current income and available earnings after required transfers to reserves at the end of the dividend period.

Penalty imposed for early withdrawal on Share Certificates.

Fees could reduce the earnings on savings accounts.