Current Rates
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Loan Rates
Rates effective as of January 01, 2025. Rates subject to change without notice.
Loan Types Conditions Terms Rates As Low As 2024-2025 Cars, Trucks, and Passenger Vans - 84 month- loan amount over $25,000.00 100% MSRP 36 to 84 Months 4.50% APR* 2021 - 2024 Used Cars, Trucks, and Passenger Vans 100% of Car Fax Retail or P/O, whichever is less 36 to 72 Months 4.75% APR* 2019 - 2020 Used Cars, Trucks, and Passenger Vans 100% of Car Fax Retail or P/O, whichever is less 36 to 60 Months 4.75% APR* 2018 and older 100% of Car Fax Retail or P/O, whichever is less 36 to 48 Months 5.00% APR* 2024 - 2025 New motorcycles, ATVs, jet skis, snow mobiles 100% of JD Power or P/O, whichever is less 36 to 60 Months 5.25% APR* 2024 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* 2024 - 2025 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* 2019 - 2024 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* 2018 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* 6 Months 1.75% 1.76% 12 Months 2.65% 2.68% 18 Months 2.95% 2.99% 24 Months 3.25% 3.29% 36 Months 3.00% 3.04% 48 Months 2.75% 2.78% 60 Months 2.75% 2.78% *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 1.75% 1.76% 12 Months 2.65% 2.68% 18 Months 2.95% 2.99% 24 Months 3.25% 3.29% 36 Months 3.00% 3.04% 48 Months 2.75% 2.78% 60 Months 2.75% 2.78% *APY = Annual Percentage Yield
**90 day penalty for early withdrawal. Interest rates are subject to change without notice based on c urrent market factors.