Rates

Interest Rates

Updated 2/5/2024

New and Used Vehicles 0 – 5 Years Old:

• 6.50% up to 48 months
• 7.50% up to 60 months
• 8.50% up to 72 months

Used Vehicles 6 Years and Older:

• 8.50%

Finance term varies based on value of vehicle:

• Up to 48 months if value at or above $15,000
• Up to 60 months if value at or above $25,000

Recreational Vehicles/Campers:

•  7.00% up to 48 months
•  8.00% up to 84 months

Motorcycle, Boat, 4-Wheeler:

•  1.25% above comparable vehicle; same term as comparable vehicle

Personal/Signature Loan:

• 10.00% up to 12 months
• 12.00% up to 24 months
• 15.00% up to 36 months
• 16.00% up to 48 months
• 17.00% up to 60 months

Vacation/Christmas Loan:

• 8.0% up to 12 months

Tuition – Abilene Christian School Loan:

•  7.0% up to 11 months

Secured Loans:

Shares Secured:

•  2.5% plus previous quarter’s dividend rate up to 60 months

Certificate of Deposit Secured:

•  2.00% plus CD rate for term of CD

Dividends

Updated 02/08/2024

Share Rates:

• 4.50%  APR – 4.60% APY : $25 – $999.99 Balance
• 4.75% APR – 4.86% APY  : $1,000 – $4,999.99 Balance
• 5.00% APR –  5.13% APY  $5,000 and up Balance

Certificate of Deposits:

• 6 months: 2.50% ($1,000 min.) – 3.00% ($10,000 min.)
• 12 months: 2.75% ($1,000 min) – 3.25% ($10,000)
• 24 months: 2.95% ($1,000 min) – 3.50% ($10,000)