Current Rates

Vehicle Loan Rates

(Rates as of 11/1/2024)

New Auto	APR*
Regular Rate	5.99% - 9.24%+
Credit Builder Rate	15.50% - 17.75%+

Used Auto^	APR*
Regular Rate	6.49% - 9.74%+
Credit Builder Rate	16.50% - 17.75%+

Other Vehicle Loans
Call our Lending Center at 800-359-1939, option 2, for current rates on RV, Boat and Motorcycle loans.

*APR = Annual Percentage Rate
+Rate assumes loan to value of 100% or less and term of 60 months or less. Not all borrowers will qualify for the lowest interest rate.
^Please call for rate for loans with a loan to value above 100%, terms over 60 months, or model years 2013 or older.

Apply for a Vehicle Loan

Home Loan Rates

Home Equity^ (Rates as of 11/18/2024)

Home Equity Line of Credit¹	APR*
80% loan to value	8.00% - 12.50%+
90% loan to value	8.50% - 13.50%+

Fixed-Rate Home Equity	APR*
80% loan to value	8.25% - 13.50%+
90% loan to value	9.00% - 14.50%+
100% loan to value	10.25% - 14.50%+

Members Advantage Mortgage	APR*
80% loan to value	6.50% - 7.25%+

Mortgages
Click below to view our Mortgage Rates

*APR = Annual Percentage Rate
+Not all borrowers will qualify for the lowest interest rate.
^If loan is closed within 3 years, a Third Party Reimbursement fee will be charged. Contact a Real Estate Loan Officer for an estimated amount at 1-800-359-1939, option 2. Members are required to pay any state, county or local taxes associated with the loan.
¹The initial APR will be in effect until the second month following your closing. After the initial period your APR may change monthly based on a current index plus a margin. The index is the Prime Rate published in the Money Rates section of The Wall Street Journal. Margins range from 0.00% - 5.50%. Your APR will not increase or decrease more than 2.00% in one year and will not increase more than 18.00% over the life of the loan.

Home Equity Line of Credit Repayment Example: For a Home Equity Line of Credit with an interest rate of 8.00% and an APR of 8.00% = 240 monthly payments of $8.60 per $1,000 borrowed.
Fixed Rate Home Equity Loan Repayment Example: For a 15 year Fixed Rate Home Equity Loan with an interest rate of 9.50% and an APR of 9.50% = 180 monthly payments of $10.44 per $1,000 borrowed
Members Advantage Mortgage Repayment Example: For a 15 year Members Advantage Mortgage with an interest rate of 7.75% and an APR of 7.75% = 180 monthly payments of $9.41 per $1,000 borrowed.
We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act. Rates and terms are subject to change without notice.

Apply for a Home Equity Loan

Visa Credit Card Rates

(Rates as of 11/1/2024)

Advantage Visa	Variable APR*
Platinum Advantage Visa	14.65% - 18.65%^
Advantage Visa	16.65% - 24.65%^

Visa	Fixed APR*
Share Secured Visa	9.90%

*APR = Annual Percentage Rate
^APR = Annual Percentage Rate. The ANNUAL PERCENTAGE RATE is determined by adding 6.65-14.65 for Platinum Cards and 8.65-16.65 for Advantage Cards to the Prime Rate. The Prime Rate used to determine your APR is the rate published in the "Money Rates" table of The Wall Street Journal on the last Friday of each month; if the last Friday is a Federal Holiday the following day's Prime Rate will be used and is effective the first day of the following month. Rates may change after the account is opened. Rates effective as of date above.

Apply for a Credit Card

Signature Loan Rates

(Rates as of 11/1/2024)

Signature Loans	APR*
Regular Rate	9.99% - 13.99%+
Credit Builder Rate	15.99% - 19.99%+

*APR = Annual Percentage Rate.
+Not all borrowers will qualify for the lowest interest rate.

Apply for a Signature Loan

Line of Credit Rates

(RATES AS OF 11/1/2024)

Line of Credit	APR*
Access Line of Credit	16.99% - 20.99%^

*APR = Annual Percentage Rate
^The APR may change monthly based on a current index plus a margin. The index is the Prime Rate published in the "Money Rates" table of The Wall Street Journal on the last Friday of each month; if the last Friday is a Federal Holiday the following day's Prime Rate will be used and is effective the first day of the following month. Margins range from 8.99% - 12.99% based on credit score. North Carolina and Texas residents rate ceiling is 18%. Georgia residents rate ceiling is 16%, if limit is less than or equal to $3,000. Rates may change after the account is opened. Not all borrowers will qualify for the lowest APR. Minimum payment is 3% of the balance or $100, whichever is greater.

Apply for a Line of Credit

Share Certificate, IRA & Coverdell ESA Rates

(Rates as of 11/1/2024)

$10,000 minimum	APY**	Dividend Rate
6-month	3.30%	3.25%
12-month	3.56%	3.50%
24-month	3.52%	3.46%
36-month	3.57%	3.51%

$1,000 minimum	APY**	Dividend Rate
6-month	3.25%	3.20%
12-month	3.51%	3.45%
24-month	3.46%	3.41%
36-month	3.52%	3.46%

Youth Share Certificate***	APY**	Dividend Rate
6-month	0.75%	0.75%

+Penalties will apply for early withdrawal of funds.
**APY = Annual Percentage Yield.
***Primary Youth Share Certificate account holder must be under the age of 18 when account is opened. Parent or Legal Guardian must be listed as a joint account holder for all minor accounts. Must maintain a minimum balance of $250 to earn APY. Maximum allowed balance is $1,000. Penalties will apply for early withdrawal of funds.

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