The following rates apply to qualified borrowers on new money only.  Rates shown include a .25% APR discount on qualifying loans with payroll or automatic deduction payments.  Rates shown on New Auto, Used Auto and Recreational Vehicle purchases also include an additional 25% discount if down payment of 20% or more is made.  Maximum rate 18%.  Loan rates will be adjusted based on individual credit profiles.

Call us today at (225) 292-8910 or (800) 375-2760

**HOLIDAY SPECIAL**

12 months 

6.50% 

Terms of repayment example:

12 month term - fixed rate at 6.50% APR = 12 monthly payments of $8.64 per $100 borrowed.

*No Discounts

4.70% up to 42 months

4.70% up to 60 months

5.20% up to 66 months

5.45% up to 72 months (borrowing $25,000 or more)

USED AUTO, TRUCK OR VAN

  Used Auto amounts based on NADA Value

  Terms based on age of Auto

  Mileage under 25,000 refer to New Auto

4.70% up to 36 months

4.70% up to 60 months (borrowing $15,000 or more)

Terms of repayment example:

60 month term - fixed rate at 6.50% = 60 monthly payments of $19.57per $1000 borrowed.

PERSONAL LOANS
  12 months
  24 months
  36 months
  48 months
  60 months

.

8.25% to 18.00%
8.25% to 18.00%
9.25% to 18.00%

10.00% to 18.00%

10.50% to 18.00%

Terms of repayment example:

36 month term - fixed rate at 9.50% 

APR = 36 monthly payments of $3.21 per $100 borrowed.

VISA CARD RATES
  VISA Preferred/Secured
  VISA Gold with savings & checking
  VISA Classic with savings & checking
  VISA Gold with savings only
  VISA Classic with savings only

  (No Annual Fee)

FIRST MORTGAGE
  Up to 15 years fixed

  (No Origination Fee, No Points)

  15/30 Balloon

  (No Origination Fee, No Points)

  Please call us on 30 year mortgages!

80% of appraised value
Contact Mortgage Dept for  Rate quotes.  

80% of appraised value

Contact Mortgage Dept for Rate quotes.

  After 1st Mortgage amount considered

HOME EQUITY
  Line of credit, 10 year fixed rate

  (No Origination Fee, No Points)

7.50%

(up to 80% equity**)

** Percentage of Appraised Value

      less First Mortgage balance

LAND
  (No Origination Fee)                                         

  Improved Property Only

  75% Equity or 80% of Purchase

  Price (whichever is less)

7.75%

No Discounts

Call for Terms

Boat/Motor/ Trailer/ Camper/ Motorcycle,

4 Wheeler, Jet Ski, Motor Homes

  New

.

  Used

5.50% up to 42 months

5.95% up to 60 months

6.20% up to 72 months (borrowing $20,000 or more)

6.50% up to 84 months (borrowing $25,000 or more)

.

6.25% up to 36 months

6.50% up to 60 months

7.00% up to 72 months (borrowing $20,000 or more)

Terms of repayment example:

60 month term - fixed rate at 5.95% 

APR = 60 monthly payments of $19.32 per $1000 borrowed.

REVOLVING LINES OF CREDIT

  (Secured by shares refer to Share

   Secured Rates)

EDUCATION LINES OF CREDIT

(Borrowing amounts in increments of $2500.00 up to $10,000.00)

8.25% to 18.00%
No Discounts

6.75% to 7.25% 

Interest rates and payment amounts 

determined by elected term & approved credit limit

No discounts

12.00% to 18.00%

No Discounts

TRACTOR/LAWN EQUIPMENT
  New  
  Used 

7.95% up to 60 months

Terms of repayment example:   12 month  term fixed rate at 7.45% APR = 12 monthly payments of $20.03 per $1000 borrowed.