Loan Rates

Auto Loans - Effective July 1, 2026

New Vehicle – Fixed Rate Loans

APR*	Maximum Term	Notes
4.49%	Up to 84 Months	New auto as defined below. Rate based on credit qualification.

New Vehicle – Variable Rate Loans

APR*	Maximum Term	Margin	Minimum APR*
4.50%	Up to 84 Months	3.50%	4.00%

A vehicle is considered “NEW” if it is next year’s, this year’s, or last year’s model with < 20,000 miles.

Sample new vehicle loan: $25,000.00 at 3.25% APR, 84 monthly payments of $333.14 (sample only; rates may vary).

Used Vehicle (less than 6 model years old) – Fixed Rate Loans

APR*	Maximum Term
5.49%	Up to 84 Months

Used Vehicle (less than 6 model years old) – Variable Rate Loans

APR*	Maximum Term	Margin	Minimum APR*
5.00%	Up to 84 Months	4.50%	4.00%

Used Vehicle (greater than 6 model years old) – Fixed Rate Loans

APR*	Maximum Term
5.99%	Up to 72 Months

Used Vehicle (greater than 6 model years old) – Variable Rate Loans

APR*	Maximum Term	Margin	Minimum APR*
5.50%	Up to 72 Months	4.50%	5.00%

APR – Annual Percentage Rate. These are our lowest rates offered; your rate may vary depending on your credit history.

Sample used vehicle loan: $20,000.00 at 3.75% APR, 84 monthly payments of $271.07 (sample only; rates may vary).

Recreational Loans (RVs & Boats) - Effective July 1, 2026

New RVs & Boats – Fixed Rate

Term	APR*
Up to 120 Months	7.99%
Up to 144 Months	8.25%
Up to 180 Months	8.50%

New RVs & Boats – Variable Rate

Term	APR*	Margin	Minimum APR*
Up to 120 Months	*6.75%	2.75%	6.75%
Up to 144 Months	*6.75%	2.75%	6.75%
Up to 180 Months	*6.75%	2.75%	6.75%

Used RVs & Boats – Fixed Rate

APR*	Maximum Term
8.99%	Up to 96 Months

Used RVs & Boats – Variable Rate

APR*	Maximum Term	Margin	Minimum APR*
7.25%	Up to 96 Months	3.25%	7.25%

Sample RV/Boat loan: $40,000.00 at 4.25% APR, 144 monthly payments of $355.09 (sample only; rates may vary).

Mortgage Rates - Effective July 6, 2026

First Mortgage Rates

Product	Term	APR*	Notes
Fixed Rate	15-Year – New Loan	5.875%	Some restrictions apply.
Fixed Rate	15-Year – Refinance	5.875%	Some restrictions apply.
Fixed Rate	30-Year – New Loan	6.490%	Some restrictions apply.
Fixed Rate	30-Year – Refinance	6.490%	Some restrictions apply.
Adjustable (ARM)	3-1 ARM – Starting Rate	6.375%
Adjustable (ARM)	5-1 ARM – Starting Rate	6.375%

We offer both fixed and adjustable rate purchase and refinance mortgage loans. We do not charge points and we do not require Private Mortgage Insurance (PMI). We provide low closing costs and quick turn-around.

Home Equity Rates - Effective July 1, 2026

Home Equity Line of Credit (HELOC)

Draw Period	APR*	Daily Periodic Rate	Margin	Minimum APR*
5-Year Draw Period	7.00%	0.019	3.00%	4.00%
10-Year Draw Period	7.50%	0.020	3.50%	4.50%

This account may adjust quarterly. Maximum adjustment is 0.50% per quarter (2.00% annually) based on the index (monthly average of the Six Month Treasury Bill Rate, auction high, rounded up to the next 0.50%).

The maximum rate under this plan is 6% higher than your starting rate (discounted rates do not apply), or the maximum permitted by law, whichever is less.

Fees to open the HELOC generally total between $0.00 and $1,000.00. Ask us for an itemization of fees.

All closed-end Home Equity Loans require a monthly payment. Contact us for current payment examples.

Personal Loan Rates

Personal Line of Credit – Effective November 1, 2025

APR*	Daily Periodic Rate	Loan Term	Margin	Minimum APR*
9.40%	0.0257%	Up to 60 Months	5.50%	6.00%

Signature Loans – Effective November 1, 2025

Term	APR*
24 Months	4.50%
36 Months	5.50%
60 Months	7.50%

Consolidation Loans – Effective November 1, 2025

Term	APR*
36 Months	4.50%
48 Months	5.50%
60 Months	6.50%