Loan Rates
Current Loan Rates Effective Date: October 21, 2025
Secured
| Product | Terms | APR* as low as | Monthly Payment Per $1,000 Borrowed |
|---|---|---|---|
| New Autos/ Motor Cycles 2024 Or Newer | 1-36 months 37-60 months 61-75 months 76-84 months |
4.50% 5.25% 5.50% 6.75% |
$29.75 $18.99 $15.79 $14.97 |
| Used Autos/ Motor Cycles 2019 to 2023 | 1-36 months 37-60 months 61-75 months 76-84 months 2022 & 2023 |
5.00% 5.50% 6.50% 6.75% |
$29.97 $19.10 $16.26 $14.97 |
| 2018 and Older | 1-36 months 37-60 months 61-72 months (veh over $20,000) |
6.25 7.25% 8.25% |
$30.54 $19.92 $17.66 |
Recreational Vehicles
| Product | Terms | APR* as low as |
|---|---|---|
| Campers, Snowmobiles, 4 Wheelers, Boats, etc. | See Above | 1% above listed vehicle rates |
Unsecured
| Product | Terms | APR* as low as | Monthly Payment Per $1,000 Borrowed |
|---|---|---|---|
| $500 to $15,000 | 1-24 months 25-36 months 37-60 months 61-72 months |
9.00% 9.75% 10.25% 10.50% |
$45.68 $32.15 $21.37 $18.78 |
Kwik Cash Revolving
| APR* as low as | Amount | Monthly Payment Per $1,000 Borrowed |
|---|---|---|
| 10% | $1,000.00 | $50.00 |
| $2,000.00 | $100.00 | |
| $3,000.00 | $130.00 | |
| $4,000.00 | $140.00 | |
| $5,000.00 | $150.00 | |
| $6,000.00 | $180.00 | |
| $7,000.00 | $210.00 |
VISA Credit Card
| Product | Term | APR* as low as |
|---|---|---|
| VISA Scorecard with Rewards | Revolving | 12.49% | VISA Secured Credit Card | Revolving | 15.99% |
Single Payment Notes
| Product | Term | APR* |
|---|---|---|
| Single Payment Notes | 6 months (maximum term) | 10.00% |
Mortgages
Contact a Mortgage Officer for First, Second and HELOC Mortgage Rates.
| Mobile Homes | Rates | |
|---|---|---|
| Less than 5 years old | 9.00% | 5 - 10 years old | 9.50% |
| Over 10 years Old | 9.75% |
Secured Loans
Share / CD Secured loans 3% above secured share / CD rate (for all classes)
*APR is the Annual Percentage Rate.
All rates subject to change per Board discretion.
Blended rate will be used for partially secured loans.
Monthly payment is based on payment per $1,000 for term and rate shown above.