Loan Rates
Mortgage Rates
| Year | 0-Point Rate | 0-Point APR | 1-Point Rate | 1-Point APR | |
|---|---|---|---|---|---|
| 15 Year Fixed¹ | 7.250% | 7.361% | 7.000% | 7.274% | |
| 20 Year Fixed¹ | 7.500% | 7.590% | 7.250% | 7.472% | |
| 30 Year Fixed¹ | 7.625% | 7.696% | 7.375% | 7.548% | |
| Turn-Key¹ | 7.625% | 7.696% | 7.375% | 7.548% | |
| Construction¹ | 7.625% | 7.808% | 7.375% | 7.661% |
All rates and terms are accurate as of 10/09/2026 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 7.625% interest rate will have an APR of 7.696% and a $1,415.59 monthly principal and interest payment. A $200,000 1-point 30-year mortgage at a 7.375% interest rate will have an APR of 7.548% and a $1,381.35 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*
2025-New 6.000% 6.809%
2024 6.250% 7.060%
2023 6.500% 7.312%
2022 6.750% 7.562%
2021 7.000% 7.814%
2020 & Older 7.500% 8.316%
All rates and terms are accurate as of 10/09/2026 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.
