Loan Rates
Mortgage Rates
| Year | 0-Point Rate | 0-Point APR | 1-Point Rate | 1-Point APR | |
|---|---|---|---|---|---|
| 15 Year Fixed¹ | 5.750% | 5.856% | 5.500% | 5.762% | |
| 20 Year Fixed¹ | 6.000% | 6.085% | 5.750% | 5.960% | |
| 30 Year Fixed¹ | 6.375% | 6.440% | 6.125% | 6.285% | |
| Turn-Key¹ | 7.250% | 7.319% | 7.000% | 7.169% | |
| Construction¹ | 7.250% | 7.427% | 7.000% | 7.277% |
All rates and terms are accurate as of 01/09/2026 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 6.375% interest rate will have an APR of 6.440% and a $1,247.74 monthly principal and interest payment. A $200,000 1-point 30-year mortgage at a 6.125% interest rate will have an APR of 6.285% and a $1,215.22 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 01/09/2026 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.
