Rates

Loan Rates

Effective as of August 1, 2025

Loan Type	Term	APR* as low as
New Auto (Less than 10,000 miles)	Up to 72 months	4.75%
New Auto (Less than 10,000 miles)	73-84 months	5.75%
Used Auto
Year Model 2023-2025	up to 60 months	5.00%
Year Model 2023-2025	61-72 months	6.00%
Year Model 2021-2022	up to 60 months	5.00%
Year Model 2021-2022	61-72 months	6.00%
Year Model 2019-2020	max term 54 months	6.00%
2018 & Older- Max LTV < 90%	up to 42 months	7.99%
Horse/Utility Trailers New & Used up to 80% LTV	max term 72 months	7.99%
Savings Secured Loan (Savings/CD Rate + 3.0%)	up to 60 months	3.10%
Personal/Signature Loan	max term 60 months	10.50%
Personal Line of Credit		10.50%
Overdraft Protection Loan		18.00%
Home Equity Fixed 80% or less LTV - First position Deed of Trust	12 - 180 Months	6.25%
Home Equity Fixed 80% or less LTV- Second position Deed of Trust	12 - 180 Months	6.25%
Vision Visa Credit Card - Classic		12.95%
Vision Visa Credit Card - Platinum	Fixed rate	7.50%

*APR = Annual Percentage Rate
Interest Rate to be determined by Equifax Beacon Score on date of loan closing.

Savings	Term	Rate	APY*
Share Savings		0.10%	0.10%
Share Checking (ADB $500)		0.05%	0.05%
Money Market (Min. $2,500)		1.20%	1.21%
IRA		1.50%	1.51%
Roth IRA, Coverdell and Health Savings Account		1.50%	1.51%
Christmas Club	12 Months	0.15%	0.15%
Vacation Club	12 Months	0.15%	0.15%

Share Savings

0.10%

Share Checking (ADB $500)

0.05%

Money Market (Min. $2,500)

1.20%

1.21%

IRA

1.50%

1.51%

Roth IRA, Coverdell and Health Savings Account

1.50%

1.51%

Christmas Club

12 Months

0.15%

Vacation Club

12 Months

0.15%