Current Rates

  • Loan Rates

    Rates effective as of January 01, 2024. Rates subject to change without notice.

    Loan Types Conditions Terms Rates As Low As
    2023-2024 Cars, Trucks, and Passenger Vans - 84 month- loan amount over $25,000.00 100% MSRP 36 to 84 Months 4.50% APR*
    2020 - 2023 Used Cars, Trucks, and Passenger Vans 100% of Car Fax Retail or P/O, whichever is less 36 to 72 Months 4.75% APR*
    2018 - 2019 Used Cars, Trucks, and Passenger Vans 100% of Car Fax Retail or P/O, whichever is less 36 to 60 Months 4.75% APR*
    2017 and older 100% of Car Fax Retail or P/O, whichever is less 36 to 48 Months 5.00% APR*
    2023 - 2024 New motorcycles, ATVs, jet skis, snow mobiles 100% of JD Power or P/O, whichever is less 36 to 60 Months 5.25% APR*
    2023 and older used motorcycles, ATVs, jet skis, snow mobiles 90% of JD Power Retail or P/O, whichever is less 36 to 60 Months 6.00%APR*
    2023 - 2024 New RV's, Travel Trailers, Motor Homes, Fifth Wheels, Horse Trailers with living quarters's, Travel Trailers, Motor Homes, Fifth Wheels - 120 month - loan amount over $30,000.00 90% of NADA Retail or P/O, whichever is less 48 to 120 Months 5.25% APR*
    2018 - 2023 Used RV's, Travel Trailers, Motor Homes, Fifth Wheels, Horse Trailers with living quarters - 120 month- loan amount over $25,000.00 90% of NADA Retail or P/O, whichever is less 48 to 120 Months 5.75% APR*
    2017 and older used RV's, Travel Trailers, Motor Homes, Fifth Wheels, Horse Trailers with living quarters - inspection required 90% of NADA Retail or P/O, whichever is less 36 to 48 Months 6.25% APR*
    Miscellaneous Secured Equipment, Tractors, Utility Trailer, etc. 90% of NADA Retail or P/O, whichever is less 24 to 48 Months 7.75% APR*
    Signature / LOC 12 - 48 month maximum -- 10.7% APR*
    Share Secured/Credit Builder Loans 100% Share Balance 6 Months Minimum Dividend rate earned plus 3.00% APR*
    Share Certificate Secured -- -- Variable Rate Subject to change upon renewal of certificate. Certificate rate plus 2.25% APR*
    Holiday Loan $1000.00 Max. Oct. 1 - Jan. 31 12 Months 8.00% APR*
    Vacation Loan $2,500.00 Max 12 Months 8.25% APR*
    Payday Loan – Payroll Deduction Only $50 - $500 Max 60 Day Rest Required Between 18.50% APR*
    Wha What? Loan $2,500.00 Max 18 Months 12.00% APR*
    Predatory Lending - Guaranteed Not to exceed $1,500.00 6 -12 Months 10.50% APR*
    Celebration Event Share Secured Loan Minimum $500.00 48 Months 3.00% Above declared Share Rate
    Repossessions Loans for repossessed vehicles being financed through LOCO CU will have a standard approval rate of 3.00% APR, for 60 months or a term based on the year of the vehicle. -- --

  • Deposit Accounts

    Rates Effective as of May 1, 2020. Rates subject to change without notice.

    Deposit Accounts Dividend Rate APY*
    Share (Savings) Accounts 0.35% 0.35%
    Vacation/Travel Club Accounts 0.35% 0.35%
    Kirby Kangaroo Club Accounts 0.35% 0.35%
    Teen Club Accounts 0.35% 0.35%
    **Christmas Club Accounts 0.35% 0.35%
    Share Draft (Checking) Accounts 0.00% 0.00%

    Rate change approved by Board effective May 1, 2020
    *APY = Annual Percentage Yield
    **Early withdrawal fee of $10.00 (Funds withdrawn prior to distribution of Christmas funds during November).

  • Certificate of Deposit - Minimum $500.00 Deposit**

    Certificate of Deposit - Minimum $500.00 Deposit** Dividend Rate APY*
    3 Months Not Offered Not Offered
    6 Months 1.75% 1.75%
    12 Months 2.65% 2.65%
    18 Months 2.95% 2.95%
    24 Months 3.25% 3.25%
    36 Months 3.00% 3.00%
    48 Months 2.75% 2.75%
    60 Months 2.75% 2.75%

    *APY = Annual Percentage Yield
    **90 Day Penalty for Early Withdrawal. Interest rates are subject to change without notice based on current market factors.

  • IRA - Traditional & Roth**

    IRA - Traditional & Roth** Dividend Rate APY*
    6 Months 1.00% 1.05%
    12 Months 1.60% 1.61%
    18 Months 1.85% 1.86%
    24 Months 2.25% 2.25%
    36 Months 2.00% 2.01%
    48 Months 1.95% 1.96%
    60 Months 2.00% 2.01%

    *APY = Annual Percentage Yield
    **90 day penalty for early withdrawal. Interest rates are subject to change without notice based on c urrent market factors.


REMEMBER – WHEN WE QUOTE DIVIDEND RATES, WE MUST ALSO QUOTE THE APY (Annual Percentage Yield).