Current Loan Rates

General disclosure: Information displayed is accurate as of the date of the latest update and is subject to change without notice.

Loan TypeEffective September 1, 2016APR *1
Personal Noteas low as7.99%
Personal Line of Credit *2Quarterly variable as low as17.99%
Share Secured *3Quarterly variable5.00%
Certificate Secured *4Consult Certificate RatesCall for rates
New Vehicle *5 (a new vehicle is less than 2 years old and less than 30,000 miles)36 months or less as low as1.74%
 48 months or less as low as2.24%
 60 months or less as low as2.49%
 72 months or less as low as2.74%
 84 months or less as low as3.49%
Used Vehicle and New Motorcycle *6 (a used vehicle is more than 2 years old and more than 30,000 miles)48 months or less as low as3.49%
 60 months or less as low as3.74%
 72 months or less as low as4.49%
 84 months or less as low as4.99%
Used Motorcycle and other secured collateral including New/Used Boat, Motor, Trailer, RV, etc.48 months or less as low as4.24%
 60 months or less as low as4.74%
 72 months or less as low as5.24%
 84 months or less as low as5.74%
Home Equity Line of Credit *880% or less loan to value as low as4.00%
 90% or less loan to value as low as5.00%
 greater than 90% loan to value as low as6.00%
Second Mortgage *9as low as (contact for more details)5.99%
Mobile Home *1075% or less loan to value as low as10.99%
Unimproved Property *112YR ARM as low as5.25%
 5/1 ARM as low as5.75%
VISAPlatinum8.99%
 Classic13.90%
 Classic Beginning17.99%
Mortgages *11 (rates include Jumbo loans)2YR ARM as low as3.00%
 5/1 ARM as low as3.25%
 Additional ARM options availableCall for rates
Mortgages - Other options available15 & 30 yr fixed rate, jumbo mortgages and secondary residenceCall for rates
Investment/Rental Property2YR ARM as low as4.50%
 5/1 ARM as low as5.00%

*1 Annual Percentage Rate (APR) is subject to credit approval and can change without notice.
*2 Personal loan margin will be determined based upon a combination of credit scores provided through Equifax, Inc. The quarterly Index will be the Wall Street Journal’s published prime rate as of the 15th day of December, March, June, and September and any subsequent rate change will occur on the first of the following months. The minimum Index value used will be 5.99%.
*3 The Index each quarter is based upon the highest dividend rate paid on regular shares rounded up to the next even quarter percent. The minimum Index value used will be 2%. 4Certificate loans use the certificate dividend rate rounded up to the next even quarter percent as the Index. The minimum Index value used will be 2%.
*5,6,7 Our definition of New, Used, and Mature vehicles expands your financing opportunities; please contact a Loan Officer for details. Your rate will be determined using a combination of credit scores provided through Equifax, Inc.
*8,9,11 Real property must be located in the state of South Carolina. Your rate will be determined by the original term of the loan and/or original loan to value percentage.
*10 Mobile home must be located in the state of South Carolina. Your rate will be determined by the original term of the loan and original loan to value. Other restrictions apply based upon the specific loan type requested.

 

 

 


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