Loan Annual Percentage Rate
Rates are effective 2/1/2026 and are subject to change.
Loan Categories |
APR* As Low As |
|---|---|
|
4.49%** |
|
|
4.74%** |
|
|
7.30%** |
|
|
7.50%** |
|
|
7.10%** |
|
|
7.50%** |
|
|
Jet Ski |
7.30% |
| 7.00%** | |
|
5.75% |
|
|
6.25% |
|
| 6.49% (Based on Prime rate as of 1/1/2026) | |
|
9.90%* |
|
| 9.90%* | |
|
The APR is calculated at 2.00% above the dividend rate paid on the Share Account. |
|
|
The APR is calculated at 2.00% above the dividend rate paid on the Certificate Account. |
|
|
9.50%* |
|
| Emergency Disaster Loan |
8.00% |
|
Personal Line of Credit |
11.75%* |
*APR - Annual Percentage Rate. Rate is based on Credit Worthiness.
**Rate applies to new purchase and refinances from other financial institutions only.
Mortgage Rates
As of July 14, 2026
LOAN CATEGORY |
RATE/APR* |
|---|---|
RATES QUOTED WITHOUT POINTS |
|
CONVENTIONAL MORTGAGE1 |
|
| 6.030% / 6.091% | |
| 5.920% / 6.000% | |
| 5.430% / 5.530% | |
JUMBO MORTGAGE2 |
|
| 5.780% / 5.801% | |
| 5.420% / 5.448% | |
| 5.280% / 5.316% | |
HOME EQUITY3 |
|
| as low as 6.680% / 7.068% | |
| as low as 6.820% / 7.132% | |
First-Time Home Buyer Mortgage (FTHB)4 |
|
|
30 YR |
as low as 7.160% / 7.216% |
LAND LOAN5 |
|
| 20 YR | 6.170% / 6.321% |
Second Home Mortgage6 |
|
| 15 YR | 6.430% / 6.553% |
| 20 YR | 6.920% / 7.021% |
| 30 YR | 7.030% / 7.108% |
First Home Construction7 |
|
| 15 YR FIXED | 5.420% / 5.540% |
| 20 YR FIXED | 5.970% / 6.067% |
| 30 YR FIXED | 6.010% / 6.083% |
First Home Jumbo Construction8 |
|
| 15 YR FIXED | 5.270% / 5.306% |
| 20 YR FIXED | 5.470% / 6.498% |
| 30 YR FIXED | 6.760% / 6.781% |
*The Annual Percentage Rates (APR) posted are estimates and are intended for informational use only. Your actual APR may vary. Taxes and insurance not included; therefore, the actual payment obligation will be greater. All loans subject to credit approval. Rate subject to change without notice. Primary Residency Only.
1 Conventional Loans- The rates displayed are for conforming loan programs and are based on a $250,000 Loan Amount with 20% down/equity.
2 Jumbo Loans- The rates displayed are for conforming loan programs and are based on a $832,750 Loan Amount with 20% down/equity.
3 Home Equity Loans- The rates displayed are based on a loan amount of $50,000.
4 First-Time Home Buyer- Eligible in the states of FL and KY only. The rate displayed is for conforming FTHB mortgage and is based on a $350,000 loan amount (97% of financing). Rates based on creditworthiness and subject to change.
5 Land Loans- Financing available up to 75% loan to value subject to rate adjustments and additional qualifications. Rates listed are based on 75% loan to value. The rates displayed are based on a loan amount of $100,000.
6 Second Home Mortgage- The rates are displayed for conforming loan programs and are based on a $250,000.00 loan amount with 20% down/equity.
7 First Home Construction- The rates are displayed for conforming loan programs and are based on a $250,000.00 loan amount with 20% down/equity.
8 First Home Jumbo- The rates are displayed for conforming loan programs and are based on a $832,750.00 loan amount with 20% down/equity.