Loan Rates
Effective as of November 1, 2024
Loan Type
|
Term |
APR*
|
|
New Auto (Less than 10,000 miles) |
Up to 72 months |
4.75% |
|
73-84 months |
5.75% |
|
|
Used Auto |
||
|
Year Model 2022-2024 |
up to 60 months |
5.50% |
|
Year Model 2022-2024 |
61-72 months |
6.50% |
|
Year Model 2020-2021 |
up to 60 months |
5.50% |
|
Year Model 2020-2021 |
61-72 months |
6.50% |
|
Year Model 2018-2019 |
max term 54 months |
6.50% |
|
2017 & Older- Max LTV < 90% |
up to 42 months |
7.99% |
|
Horse/Utility Trailers |
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 |
12.95% |
|
Personal Line of Credit |
|
12.95% |
|
Overdraft Protection Loan |
|
18.00% |
|
Home Equity Fixed 80% or less LTV - First position Deed of Trust |
12 - 180 Months |
7.00% |
|
Home Equity Fixed 80% or less LTV- Second position Deed of Trust |
12 - 180 Months |
7.00% |
|
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.
Share Rates
Effective as of January 1, 2024
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% |
*APY = Annual Percentage Yield
Effective as of September 1, 2024
Certificates |
Term |
Rate |
APY* |
| Certificate or IRA | 6 Months | 3.90% | 3.97% |
| Certificate or IRA | 12 Months | 4.00% | 4.07% |
| Certificate or IRA | 18 Months | 4.05% | 4.13% |
| Certificate or IRA | 24 Months | 4.05% | 4.13% |
| Certificate or IRA | 36 Months | 3.30% | 3.35% |
| Student | 18 Months | 4.05% | 4.13% |
*APY = Annual Percentage Yield
