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Rates

Loan Rates Effective November 1, 2022

Savings (Shares) Secured Loans
Current Dividend + 2%
Variable Rate / Annual Percentage Rate
Certificate of Deposit Secured Loans
Current Dividend + 2%
Variable Rate / Annual Percentage Rate
Personal Loans
Term Annual percentage rates may be as low as*
36 Months 6.15%
48 Months 6.65%
60 Months 7.15%
66 Months 7.65%

* All loans are considered on an individual basis.  Rates may vary based upon individual credit worthiness.

Unsecured Single Pay Note
Type Annual Percentage Rate
90 day note 15.00%
Lines of Credit
Type Annual Percentage Rate
Overdraft Protection Line of Credit
Requires minimum $50.00 monthly payments
15.00%
Personal Line of Credit
Requires minimum $75.00 monthly payments
15.00%
Vehicle Loans
Term Annual percentage rates may be as low as*
36 months 2.23%
48 months 2.48%
60 months 2.98%
66 months 3.23%
72 months 3.48%
84 months 4.08%

* All loans are considered on an individual basis. Rates may vary based upon individual credit worthiness. Terms and conditions apply.

Mortgage Loan/Conventional and Home Equity Loans
In house first and second mortgages are available.  Secondary market real estate loans are available for terms up to 30 years.  For more information call 304-485-4523 ext. 1138, or email us here.
Mobile Home & Land Loan
See information on Mortgage Loan/Conventional and Home Equity Loans
Unimproved Property (Deed of Trust Required)
Type Annual percentage rates may be as low as*
L-T-V 80% Max | 20% Down | 180 Months 5.75%

* All loans are considered on an individual basis.  Rates may vary based upon individual credit worthiness.

Motorcycles / ATVs Loans
Term Annual percentage rates may be as low as*
36 months 2.23%
48 months 2.48%
60 months 2.98%
66 months 3.23%

* All loans are considered on an individual basis. Rates may vary based upon individual credit worthiness. Terms and conditions apply.

Boats & RVs
Term Annual percentage rates may be as low as*
36 months 2.23%
48 months 2.48%
60 months 2.98%
66 months 3.23%
72 months 3.48%
84 months 4.08%
85-120 months 4.58%

$15,000 minimum loan amount for terms from 72 - 120 Months
* All loans are considered on an individual basis. Rates may vary based upon individual credit worthiness. Terms and conditions apply.

Miscellaneous Equipment Loans
Term Annual percentage rates may be as low as*
36 months 2.23%
48 months 2.48%
60 months 2.98%

* All loans are considered on an individual basis. Rates may vary based upon individual credit worthiness. Terms and conditions apply.