New Autos & Motorcycles (2017 or newer)

Term APR*
12-36 months 2.590%
37-60 months 2.990%
61-72 months 3.390%
73-84 months 4.190%

Effective July 1, 2018 

Used Autos & Motorcycles

Term APR*
12-36 months 3.190%
37-60 months 3.190%

Effective July 1, 2018

Boats, RVs, & Other Recreational Vehicles

Term APR*
12-36 months 3.790%
37-60 months 4.190%

Effective July 1, 2018

Personal Loans

Term APR*
12-36 months 6.990%
37-60 months 7.990%

Effective April 1, 2018


Term APR*
Open Ended 11.490%

Effective April 1, 2018

Savings Secured Loans

Term APR*
up to 36 months 2.000%
37-60 months 3.000%

Effective April 1, 2018


Type APR*
Platinum 8.70%
Standard 15.99%
uChoose Rewards 10.99% - 16.99%

Effective July 1, 2018

View full credit card terms and conditions here.

Home Financing Rates

All rates and terms are subject to change without notice.  These rates apply to the purchases of owner-occupied, single-family primary residences.  Other mortgage programs are available.  Interest rates are subject to change daily and without notice.

Interest rates are subject to underwriting criteria, including but not limited to, loan value and credit history. Rates may vary from rates shown.   For an up-to-date rate quote, please contact a mortgage representative at

Home Equity

Type APR*
Line of Credit 4.750%
Fixed Rate 5.000%

Effective April 1, 2018

Rate applies to Home Equity Lines of Credit with a loan to value (LTV) of 80% or less. Other rates and terms are available. Rate applies to new home equity lines of credit as of 4/1/18 . Rate is tied to the variable rate Prime. The index is the Prime Rate published in the Wall Street Journal. Rate subject to change without notice. Contact a Member Service Representative for details. Call 507-288-0330.

First Mortgage

Term/Type Interest Rate APR*
15 Year Fixed 4.375% 4.763%
30 Year Fixed 4.750% 5.019%

Effective August 13,  2018
Mortgage Rates are based on a $100,000 loan with a loan to value of 80%. Rates are Subject to Change Daily and Without Notice.

Call for the most current rates. 507-288-0330.

Construction Loans

Interest Rate APR*
3.75% 3.920%

Effective April 1, 2018

Manufactured Home Loans

Term/Type Interest Rate APR*
10 Year  6.250% 6.250%
15 Year 6.500% 6.500%
20 Year (Double Wide Only) 7.750% 7.750%

Effective August 1, 2018

*APR=Annual Percentage Rate on the loan.  Rates are quoted "as low as" and are subject to an evaluation of your credit. Rate shown are based on a 2015 or newer manufactured home with a 20% down payment, other loan options may be available. Rates may vary from rates shown. Call   507-288-0330 for most current rates

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