Loan Rates
Mortgage Rates
| Year | Rate | APR |
|---|---|---|
| 15 Year Fixed¹ | 5.875% | 5.982% |
| 20 Year Fixed¹ | 6.125% | 6.211% |
| 30 Year Fixed¹ | 6.500% | 6.566% |
| Construction¹ | 7.250% | 7.427% |
| Turn-Key¹ | 7.250% | 7.319% |
All rates and terms are accurate as of 12/01/2025 and subject to change without notice. The above Annual Percentage Rates (APR) assume a 20% down payment with a loan amount of $200,000. A $200,000 0-point 30-year mortgage at a 6.500% interest rate will have an APR of 6.566% and a $1,264.14 monthly principal and interest payment. 1Private Mortgage Insurance (PMI) required for loans with a loan-to-value (LTV) of 80.01% or higher.
Auto Loans1
Year Rate as low as* APR as low as*
2024-New 6.000% 6.809%
2023 6.250% 7.060%
2022 6.500% 7.312%
2021 6.750% 7.562%
2020 7.000% 7.814%
2019 & Older 7.500% 8.316%
All rates and terms are accurate as of 12/01/2025 and subject to change without notice. 1These rates and APRs assume a $20,000 loan amount. A $20,000 automobile loan at a 6.000% interest rate for 36 months with a $200 document preparation fee, a $35.00 VSI Insurance fee, and a $7.00 Digital Titling Fee will have an APR of 6.809% and a $608.90 monthly payment.
Loans are subject to credit and collateral approval.
