Rates

Lending Rates Effective 4/30/26

New Autos & Motorcycles, New Boats(max 5 Yrs), Rvs, & Travel Trailers

auto loans
BEACON SCORE Up to 36 Mos. 37-48 Mos. 49-60 Mos. 61-72 Mos. 73-84 Mos.
APR* APR* APR* APR*
680+ A 6% 6% 6% 6%
640-679 B 7% 7% 7% 7%
600-639 C 8% 8% 8% 8%
550-599 D 18% 18% 18% 18%
549 or less** E 18% 18% 18% 18%
* = Base Rate;
** Score of 549 or less will require a 20% down payment)

Used Autos & Motorcycles, Used Boats, RVs, & Travel Trailers 

used auto loans
BEACON SCORE Up to 36 Mos. 37-48 Mos. 49-60 Mos. 61-72 Mos. 73-84 Mos.
APR* APR* APR* APR*
680+ A 6% 6% 6% 6%
640-679 B 7% 7% 7% 7%
600-639 C 8% 8% 8% 8%
550-599 D 18% 18% 18% 18%
549 or less** E 18% 18% 18% 18%
** Score of 549 or less will require a 20% down payment)

Signature Loans

signature Loans
BEACON SCORE Tier 0-60 Months
APR*
680+ A 11%
640-679 B 14%
600-639 C 17%
550-599 D 18%
549 or less E 18%
Share Secured loans will be 3% above the current share rate at time of loan application.
Share Certificate Secured 3% Above Rate of Certificate at Time of Loan Application. 
*Rates Are Subject to Change Without Notice Per Board of Directors.                       
**Terms and Conditions May Apply 

Savings, Checking, & IRAs

savings accounts
Savings, Checking & IRA’s APY** Term
Regular Savings 0.501 *
Checking 0.25 *
IRA Savings 0.904 *
**APY = Annual Percentage Yield. RATES ARE SUBJECT TO CHANGE WITHOUT NOTICE PER BOARD OF DIRECTORS TERMS AND CONDITIONS MAY APPLY

Certificates

certificates of deposit
Certificates APY** Term
$1,000 Certificate 6 months 0.501 6
$1,000 Certificate 12 months 0.853 12