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Routing Number: 253177049
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Lending Rates

Explore lending rates for our various loan products.

Adjustable Rate Mortgages

The rates shown are based on a $250,000 loan up to the maximum term length for a single family home. Payments represent principal and interest only; taxes and insurance are not included. Therefore, the actual payment obligation will be greater.

Loan typeLoan-to-valueRates (APR1,2,3) as low asMonthly payment
5-Year ARM†80% or less5.500% (5.745% APR)$1,419.46 (years 1-5)
$1,454.19 (years 6-30)
5-Year ARM†80.01 - 90%5.825% (6.176% APR)$1,470.85 (years 1-5)
$1,531.27 (years 6-30)
5-Year ARM†90.01 - 100%6.150% (6.605% APR)$1,523.07 (years 1-5)
$1,610.26 (years 6-30)
First-Time Homebuyer's (5-Year ARM†)100%46.150% (6.605% APR)$1,523.07 (years 1-5)
$1,610.26 (years 6-30)
†Maximum term of 30 years

Disclosures

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Fixed Rate Mortgages

These rates are based on a $250,000 loan up to the maximum term length for a single family home. Payments represent principal and interest only; taxes and insurance are not included. Therefore, the actual payment obligation will be greater.

Loan typeLoan-to-valueRates (APR1,2) as low asMonthly payment
10-Year Fixed Rate90% or less5.300% (5.518% APR)$2,688.45
10-Year Fixed Rate90.01 - 95%5.500% (5.719% APR)$2,713.14
15-Year Fixed Rate90% or less5.500% (5.654% APR)$2,042.70
15-Year Fixed Rate90.01 - 95%5.800% (5.955% APR)$2,082.72
20-Year Fixed Rate90% or less6.200% (6.325% APR)$1,820.03
20-Year Fixed Rate90.01 - 95%6.750% (6.878% APR)$1,900.91
30-Year Fixed Rate90% or less6.500% (6.596% APR)$1,580.15

Disclosures

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Lines of Credit

HELOC

Loan typeAPR1,5 as low as
Home Equity Line of Credit6.75%6*
*New lines of credit available for initial APR of 6.75% until the first quarterly rate change based on current index rate and margin. Future rates and payments determined by adding a margin of 2.25% to the index.
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Visa® Credit Card

Loan typeAPR1 range
Visa Credit Card12.00% - 15.00%7
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Open-End Signature Loan

Loan typeAPR1 range
Open-End Signature12.25% - 15.25%5,6
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Salary Advance Loans

Loan typeAPR1,5 as low as
Salary Advance (cash account > $500)9.75%6
Salary Advance (cash account < $500)16.25%6

Disclosures

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 New auto loans

TermAPR1,5 range
36 months5.00% - 7.50%
48 months5.25% - 7.75%
60 months5.50% - 8.00%
72 months5.75% - 8.25%
84 months6.50% - 9.00%
96 months7.25% - 9.75%

Disclosures

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 Used auto loans

0-5 years old

TermAPR1,5 range
36 months5.50% - 8.50%
48 months5.75% - 8.75%
60 months6.00% - 9.00%
72 months6.25% - 9.25%

6-10 years old

TermAPR1,5 range
36 months6.50% - 9.50%
48 months6.75% - 9.75%
60 months7.00% - 10.00%
72 months7.25% - 10.25%

Disclosures

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Personal Loans

Loan typeTermAPR1,5 as low asMonthly payment
Closed-End Fixed Rate24 months9.25% - 12.25%See example
Closed-End Fixed Rate48 months9.50% - 12.50%See example
Closed-End Fixed Rate60 months9.75% - 12.75%See example
Closed-End Fixed Rate72 months9.75% - 12.75%
See example

 

Loan typeTermAPR1,5 as low asMonthly payment
Share-Secured24 months3.10%See example
Share-Secured48 months3.50%See example
Share-Secured120 months6.75%6See example
Signature Term Note6 months11.75%See example
Share-Secured Term Note6 months6.50%See example
STC-Secured Term NoteRemaining term of STCSTC rate + 2%8See example

Disclosures

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Related links

  • ARM = Adjustable Rate Mortgage
    LTV = Loan-to-value

    1. APR = Annual Percentage Rate. APR is your cost over the loan term expressed as a rate.
    2. Stated APR for LTV programs 100% or less is based on a purchase transaction with a loan amount of $250,000 for a maximum term allowed for each program. Stated APR for LTV above 100% is based on a refinance transaction with a loan amount of $250,000 for a maximum term allowed for each program.
    3. Rate cannot change by more than 2% every five years or 6% over the life of the loan. Future interest rate changes will be determined based on the five-year Constant Maturity Treasury (CMT) yield.
    4. The interest paid on the portion of the loan that is greater than the value of the dwelling is not tax deductible for Federal income tax purposes. Consult a tax advisor for further information regarding the deductibility of interest and charges.
    5. Rates are subject to change prior to the completion of the loan. Your actual APR will be determined at the time of disbursement and may vary based on credit score, collateral, and loan terms. If you qualify, we can give you a quote for the current rate and most loan documents can be signed electronically.
    6. Variable rate is subject to change quarterly.
    7. The variable APR for Purchases and Balance Transfers equals the U.S. Prime Rate plus a margin of between 4.50% and 7.50%, based on your creditworthiness at account opening. The variable APR is subject to change, with the U.S. Prime Rate, as published in The Wall Street Journal on the first day of your billing period that begins in January, April, July, and October. Cash Advances have a fixed APR of 18.00%. The APR will not exceed the maximum permitted by applicable law.
    8. Rate rounded up to the nearest 0.25%.