Current Rates

*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 2011 or older.

*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 7.50% and an APR of 7.50% = 240 monthly payments of $8.06 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 8.50% and an APR of 8.50% = 180 monthly payments of $9.85 per $1,000 borrowed
Members Advantage Mortgage Repayment Example: For a 15 year Members Advantage Mortgage with an interest rate of 6.75% and an APR of 6.75% = 180 monthly payments of $8.85 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.

*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.

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

*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.

+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.

**APY = Annual Percentage Yield.

**APY = Annual Percentage Yield.

**APY = Annual Percentage Yield.