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RATES

Loan Rates

Loan Type 

Loan Description

Terms

APR As Low As*

Auto (new/used/refinance)

  

Model Year 2018-2022

24-36 Months 

0.99%

48 Months

1.50%

60 Months 

1.75%

72 Months 

2.50%

84 Months

2.75%

Model Year 2017

48 Months

3.00%

60 Months

3.25%

Model Year 2016***

48 Months

3.50%

Recreational Vehicle (RV)

New/Used/Refinanced

Up to 60 Months

6.00%

60+ Months

See below2

Personal

Loans up to $20,000

Up to 36 Months

8.40%

37+ Months

9.40%

Credit Card

Visa Classic Credit Card

Revolving credit line

10.90%

Home Equity

Variable Rate

15 Years

PRIME 3.25%**

Mortgage

Fixed Rate

15-30 Years

OwnersChoice Funding

SAVINGS & MONEY MARKET RATES

Account Type 

Balances to earn interest

Interest Rate

APY4

Savings

$100+

0.03%

0.03%

Club accounts (holiday and vacation)

$100+

0.03%

0.03%

Money Market

•$3,000-$19,999.99
•$20,000-$74,999.99
• $75,000+

• 0.05%
• 0.10%
• 0.15%

• 0.05%
• 0.10%
• 0.15%

CERTIFICATES & IRAS

Account details 

Term

Interest Rate

APY4

Certificates (CDs) Minumum $250 to earn interest

• 6 months
• 12 months
• 12 months (deposits allowed)
• 18 months
• 24 months
• 36 months
• 48 months
• 60 months

• 0.15%
• 0.15%
• 0.15%

• 0.20%
• 0.25%
• 0.35%
• 0.40%
• 0.50%

• 0.15%
• 0.15%
• 0.15%

• 0.20%
• 0.25%
• 0.35%
• 0.40%
• 0.50%

Individual Retirement Accounts (IRAs)

0.10%

0.10%

*APR is Annual Percentage Rate. Rates depend upon credit qualification. All rates are subject to change at any time. Other rates and terms may apply.

**Prime Rate is influenced by the Federal Reserve and is subject to change at any time without notice.

***Call for more details about Model Years or Terms outside what you see listed here.

Rates effective as of 7/13/2021

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