Current Rates

Rates effective as of January 1, 2026. Rates subject to change without notice.

• Loan Rates

  Loan Types	Rates
  New Auto	Rate as low as 4.95% APR*
  Used Auto	Rate as low as 5.25% APR*
  Motorcycles, ATV's	Rate as low as 6.00% APR*
  Recreational Vehicles	Rate as low as 5.75% APR*
  Utility Trailer	Rate as low as 8.75% APR*
  Signature / Line of Credit	Rate as low as 10.75% APR*
  Share Secured/Credit Builder Loans	Dividend rate earned plus 4.00% APR*
  Share Certificate Secured	Variable Rate Subject to change upon renewal of certificate. Certificate rate plus 3.25% APR*
  Holiday Loan	$1500.00 Max. Oct. 1 - Jan. 31 - Rate as low as 8.25% APR*
  Vacation Loan	$2,500.00 Max - Rate as low as 8.50% APR*
  Payday Loan – Payroll Deduction Only**	$50 - $500 Max - Rate as low as 18.75% APR*
  Wha What? Loan	$2,500.00 Max - Rate as low as 12.75% APR*
  Celebration Event Share Secured Loan	Minimum $500.00 - 4.00% Above declared Share Rate
  Repossessions	Loans for repossessed vehicles being financed through LOCO CU will have a standard approval rate of 3.00% APR*.

  **Borrowers must wait a minimum of 90 days after the payoff.

• Deposit Accounts

  Deposit Accounts	Dividend Rate	($100 - $9999) APY*	($10000 - $24999) APY*	($25000) APY*
  Savings and Club Accounts	0.25%	0.25%	0.30%	0.35%
  Share Draft (Checking) Accounts	0.00%	0.00%	0.00%	0.00%

  Rate change approved by Board effective August 1, 2025
  *APY = Annual Percentage Yield
  **Early withdrawal fee of $10.00 (Funds withdrawn prior to distribution of Christmas funds during November).

• Certificate of Deposit**

  Certificate of Deposit - $1000 to $99,999.99**	Dividend Rate	APY*
  6 Months	2.25%	2.27%
  12 Months	2.50%	2.52%
  18 Months	2.25%	2.27%
  24 Months	2.25%	2.27%
  36 Months	2.00%	2.02%
  48 Months	2.00%	2.02%
  60 Months	2.00%	2.02%

  Jumbo Certificate - Over $100,000**	Dividend Rate	APY*
  6 Months	2.35%	2.38%
  12 Months	2.60	2.63%
  18 Months	2.35%	2.37%
  24 Months	2.35%	2.37%
  36 Months	2.10%	2.12%
  48 Months	2.10%	2.12%
  60 Months	2.10%	2.12%

  *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	2.25%	2.27%
  12 Months	2.50%	2.52%
  18 Months	2.25%	2.27%
  24 Months	2.25%	2.27%
  36 Months	2.00%	2.02%
  48 Months	2.00%	2.02%
  60 Months	2.00%	2.02%

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