Loan Rates
Regular Share/Savings
| RATE | YIELD |
| From $100.00 | .25% | .25% |
| From $10,001.00 | .45% | .45% |
| From $20,001.00 | .695% | .70% |
Minimum Opening Deposit $5.00. The dividend rate and Annual Percentage Yield may change after account opening. The minimum average daily balance required to obtain the Annual Percentage Yield is $100.00.
New Vehicles
Cars - Trucks - Boats - RV's - Motorcycles Up to 5 Years
| Auto Pay Rates | Voluntary Pay Rates | MSRP TX TLT |
| A+ | 5.24% | 6.24% | 100% |
| A | 6.24% | 7.24% | 100% |
| B | 6.74% | 7.74% | 100% |
| C | 7.24% | 8.24% | 90% |
| D | 8.24% | 9.24% | 80% |
| E | 9.24% | 10.24% | 80% |
New Vehicles
Cars - Trucks - Boats - RV's - Motorcycles 61 TO 72 Months (must finance over $20,000.00)
| Auto Pay Rates | Voluntary Pay Rates | MSRP TX TLT |
| A+ | 5.49% | 6.49% | 100% |
| A | 6.49% | 7.49% | 100% |
| B | 6.99% | 7.99% | 100% |
| C | 7.49% | 8.49% | 90% |
| D | 8.49% | 9.49% | 80% |
| E | 9.49% | 10.49% | 80% |
Used Vehicles - 5 Years or Newer
Cars - Trucks - Boats - RV's - Motorcycles Up to 5 Years
| Auto Pay Rates | Voluntary Pay Rates | NADA Retail Value |
| A+ | 5.49% | 6.49% | 100% |
| A | 6.49% | 7.49% | 100% |
| B | 6.99% | 7.99% | 100% |
| C | 7.49% | 8.49% | 100% |
| D | 8.49% | 9.49% | 100% |
| E | 9.49% | 10.49% | 100% |
Used Vehicles - 6 Years or Older
Cars - Trucks - Boats - RV's - Motorcycles Up to 5 Years
| Auto Pay Rates | Voluntary Pay Rates | NADA Retail Value |
| A+ | 6.49% | 7.49% | 100% |
| A | 7.49% | 8.49% | 100% |
| B | 7.99% | 8.99% | 100% |
| C | 8.49% | 9.49% | 100% |
| D | 9.49% | 10.49% | 100% |
| E | 10.49% | 11.49% | 100% |
First Mortgage
Up to 28 Years
| Auto Pay Rates | Voluntary Pay Rates | Appraised Value |
| A+ | 4.99% | 5.99% | 80% |
| A | 5.99% | 6.99% | 80% |
| B | 6.99% | 7.99% | 80% |
| C | 7.99% | 8.99% | 80% |
| D | 8.99% | 9.99% | 75% |
| E | 9.99% | 10.99% | 70% |
Second Mortgage
Up to 28 Years
| Auto Pay Rates | Voluntary Pay Rates | Appraised Value |
| A+ | 5.49% | 6.49% | 80% |
| A | 6.49% | 7.49% | 80% |
| B | 7.49% | 8.49% | 80% |
| C | 8.49% | 9.49% | 80% |
| D | 9.49% | 10.49% | 75% |
| E | 10.49% | 11.49% | 70% |
New Purchase Loans - Furniture, etc.
Up to 3 Years
| Auto Pay Rates | Voluntary Pay Rates | Purchase Price & Tx |
| A+ | 7.24% | 8.49% | 100% |
| A | 8.24% | 9.49% | 100% |
| B | 8.99% | 10.24% | 100% |
| C | 11.24% | 12.49% | 90% |
| D | 13.49% | 14.74% | 85% |
| E | 13.74% | 14.99% | 80% |
Personal - Signature Loans
Up to 3 Years
| Auto Pay Rates | Voluntary Pay Rates | |
| A+ | 9.00% | 10.00% | 3.0 X Gross Monthly Income |
| A | 9.99% | 10.99% | 3.0 X Gross Monthly Income |
| B | 10.49% | 11.49% | 2.5 X Gross Monthly Income |
| C | 10.99% | 11.99% | 2.0 X Gross Monthly Income |
| D | 11.99% | 12.99% | 1.5 X Gross Monthly Income |
| E | 12.99% | 13.99% | 1.0 X Gross Monthly Income |
Share Draft Line of Credit
Open-Ended Loan
| 16.00% | Monthly Payment $36.00 |
Share/Savings Secured
Up to 12 Months
Share/Savings Secured
Over 12 Months
Certificate Secured
Term of Certificate
| CD Rate + 2.5% | Savings Secured |
Credit Cards
| VISA | 10.9% |
| MASTERCARD | 10.9% |
| VISA GOLD | 9.9% |
Safety Deposit Box
(Key Deposit Required)
| Size | Yearly Rate | Description |
| 3x5 | $15.00 | 3x5x21 |
| 3x10 | $25.00 | 3x10x21 |
| 6x10 | $35.00 | 6x10x21 |
| 9x10 | $60.00 | 9x10x21 |
By member choice accounts are insured by ASI for up to $250,000. This institution is not federally insured, and if the institution fails, the Federal Government does not guarantee that depositors will get back their money. MEMBERS ACCOUNTS ARE NOT INSURED OR GUARANTEED BY ANY GOVERNMENT OR GOVERNMENT-SPONSORED AGENCY.
Equal Housing Opportunity