Loan Rates

Your next loan could be lower than you expect! Click here to view our current loan specials and relationship pricing discounts!

Auto Loans
Effective Date: Thursday, August 22nd, 2019
New & Used Auto Loans
Loan TypeAPR**
New Auto As Low As 2.95% to 18.00%
Used Auto As Low As 2.95% to 18.00%
**APR = Annual Percentage Rate. All rate discounts are subject to our current floor rates. Your APR may vary depending upon your credit worthiness. Please contact us for details on how your rate is determined. All rates are subject to change.

 


Recreational Loans
Effective Date: Thursday, August 22nd, 2019
Loan TypeAPR**
New Boat & RV As Low As 5.45% to 18.00%
Used Boat & RV As Low As 5.45% to 18.00%
**APR = Annual Percentage Rate. All rate discounts are subject to our current floor rates. Your APR may vary depending upon your credit worthiness. Please contact us for details on how your rate is determined. All rates are subject to change.

 


Personal Loan
Effective Date: Thursday, August 22nd, 2019
Loan TypeAPR**
Personal Loan As Low As 8.75% to 18.00%
**APR = Annual Percentage Rate. All rate discounts are subject to our current floor rates. Your APR may vary depending upon your credit worthiness. Please contact us for details on how your rate is determined. All rates are subject to change.

 


Line of Credit Loan
Effective Date: Thursday, August 22nd, 2019
Loan TypeAPR**
Line of Credit As Low As 8.75% to 18.00%
**APR = Annual Percentage Rate. All rate discounts are subject to our current floor rates. Your APR may vary depending upon your credit worthiness. Please contact us for details on how your rate is determined. All rates are subject to change.

 


Overdraft Loan
Effective Date: Thursday, August 22nd, 2019
Loan TypeAPR**
Overdraft Loan As Low As 8.75% to 18.00%
**APR = Annual Percentage Rate. All rate discounts are subject to our current floor rates. Your APR may vary depending upon your credit worthiness. Please contact us for details on how your rate is determined. All rates are subject to change.

 


Share & Certificate Secured Loan
Effective Date: Thursday, August 22nd, 2019
Loan TypeAPR**
Share Secured Loan Current Share Rate + 3.00%
Certificate Secured Loan Current Certificate Rate + 3.00%
**APR = Annual Percentage Rate. Rate discounts are not available on Real Estate Loans, Visa Credit Cards, Share Loans or Smart Start Loans. Your APR may vary depending upon your credit worthiness. Please contact us for details on how your rate is determined. All rates are subject to change.

 


Smart Start Loan
Effective Date: Thursday, August 22nd, 2019
Loan TypeAPR**
Smart Start Loan Current Share Rate + 5.00%
**APR = Annual Percentage Rate. Rate discounts are not available on Real Estate Loans, Visa Credit Cards, Share Loans or Smart Start Loans. Your APR may vary depending upon your credit worthiness. Please contact us for details on how your rate is determined. All rates are subject to change.

 


Farm Equipment Loan
Effective Date: Thursday, August 22nd, 2019
Loan TypeAPR**
Farm Equipment As Low As 5.45% to 18.00%
**APR = Annual Percentage Rate. All rate discounts are subject to our current floor rates. Your APR may vary depending upon your credit worthiness. Please contact us for details on how your rate is determined. All rates are subject to change.

 


Credit Cards
Effective Date: Thursday, August 22nd, 2019
Loan TypeAPR**
Platinum Visa With Rewards As Low As 7.90% (Variable Rate)
Platinum Visa As Low As 9.90%
Secured Visa As Low As 9.90%
**APR = Annual Percentage Rate. Rate discounts are not available on Real Estate Loans, Visa Credit Cards, Share Loans or Smart Start Loans. Your APR may vary depending upon your credit worthiness. Please contact us for details on how your rate is determined. All rates are subject to change. Visa Variable-Rate Credit Card includes UChoose Rewards program. UChoose Rewards program is not available with the Fixed-Rate Platinum or Secured Visa Credit Card options.

 


Home Equity Loan
Effective Date: December 28, 2018
Loan TypeAPR
Home Equity Line of Credit (HELOC) As low as 5.25%*
Fixed-Rate Home Equity Loan Updated Weekly. Call 336-370-1286 to get your rate today!
*APR = Annual Percentage Rate. Your APR may vary depending upon your credit worthiness. Please contact us for details on how your rate is determined. All rates are subject to change. Call us, toll-free, at 336-370-1286 for changes and/or additional disclosures. Rates on home equity lines of credit are tied to prime and are adjusted annually on the first day of January and are subject to minimum and maximum Annual Percentage Rates described in your loan documents. Consult your tax advisor on the deductibility of interest.

 


Mortgage Loan
Effective Date: Thursday, August 22nd, 2019
Loan TypeMortgage Rate
Mortgage Loan Updated daily, Call 336-370-1286 or get a quote online
*APR = Annual Percentage Rate. Your APR may vary depending upon your credit worthiness. Please contact us for details on how your rate is determined. All rates are subject to change. Call us, toll-free, at 336-370-1286 for changes and/or additional disclosures. Rates are updated daily. Please call 336-370-1286 or visit our Online Mortgage site for more information.

 


Land Loan
Effective Date: Thursday, August 22nd, 2019
Loan TypeAPR
Land Loan As low as 8.00%*
*APR = Annual Percentage Rate. Your APR may vary depending upon your credit worthiness. Please contact us for details on how your rate is determined. All rates are subject to change.

 

 


Current Loan Specials

Electronic Signature Discount

Complete your loan documents with electronic signature at you could get 0.25% off your next loan. Speak with your loan officer for details.

*Excluding Real Estate Loans, Visa Credit Cards, Share Loans and SmartStart Loans and subject to our current floor rate.


 


Relationship Pricing

Your loan rate may qualify for additional discounts (up to a combined 0.50% off) if you meet the following conditions:
 

0.50% if you fully protect your loan with Credit Disability and Credit Life Insurance.

0.25% if you have an active checking account with 3+ months Direct Deposit.

0.25% if you have multiple loans with Premier or you are a repeat borrower.


*Excluding Real Estate Loans, Visa Credit Cards, Share Loans and SmartStart Loans and subject to our current floor rate.

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