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For your convenience, we provide several online calculators to assist you in your financial planning.

Rates are subject to change. Call (888) 451-3798 for current rates. Loan rates quoted are LOWEST rates available and MAY VARY based on age of collateral, term of loan and applicant's credit history. Terms below are listed in months. Other conditions may apply.

Loan Rates Effective August 1, 2023

Auto Loans

Model Year	Rate	APR*	Term
2021 & Newer	5.99	5.99	36
2020–2016	6.99	6.99	36
2015 & Older	7.99	7.99	36

ATV Loans

Loan Type	Rate	APR*	Term
New & Used ATV 2021 & Newer	7.25	7.25	24
Used ATV 2020 & Older	7.74	7.74	24

Boat Loans

Model Year	Rate	APR*	Term
2021 & Newer	6.99	6.99	60
2020-2016	7.49	7.49	60
2015 & Older	9.49	9.49	60

Motorcycle Loans

Model Year	Rate	APR*	Term
2021 & Newer	6.49	6.49	36
2020-2016	6.74	6.74	36
2015 & Older	7.99	7.99	36

Recreational Vehicle Loans

Model Year	Rate	APR*	Term
2021 & Newer	6.99	6.99	60
2020-2016	7.74	7.74	60
2015 & Older	9.49	9.49	60

Snowmobile Loans

Loan Type	Rate	APR*	Term
New & Used Snowmobile 2021 & Newer	7.25	7.25	24
Used Snowmobile 2020 & Older	7.74	7.74	24

Trailer Loans

Model Year	Rate	APR*	Term
2021 & Newer (titled)	6.99	6.99	60
2020-2016 (titled)	7.74	7.74	60
2015 & Older (titled)	9.49	9.49	60
New & Used Trailer (non-titled) 2021 & Newer	7.25	7.25	24
Used Trailer (non-titled) 2020 & Older	7.74	7.74	24

Home Equity Loans

Loan Type	Rate	APR*	Term
80% Loan to Value — fixed rate**	6.30	6.30	60
90% Loan to Value — fixed rate**	7.20	7.20	60

Home Equity Line of Credit

Loan Type	Rate	APR*	Term
80% LTV — variable rate***	8.50	8.50	120
90% LTV — variable rate***	9.50	9.50	120

Personal Loans

Loan Type	Rate	APR*	Term
Unsecured Line of Credit	13.00	13.00	NA
Unsecured Personal Loans	11.99	11.99	36
New & Used Non-Titled Misc. Secured Loans 2020 & Newer	7.25	7.25	24
Used Non-Titled Misc. Secured Loans 2020 & Older	7.74	7.74	24

HomeTown Classic Credit Card

Rate	APR*
10.90	10.90

Classic Disclosure

Credit Builder

Loan Type	Rate	APR*	Term
Credit Builder Loan	10.00	10.00	12

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*APR = Annual Percentage Rate

**Home Equity loans are also available in 10 and 15 year terms. Contact your Credit Union for more information.

***Home Equity Line of Credit:  The 8.50% APR is available with qualifying credit and a loan to value (LTV) of 80% or less. Higher rates apply to higher loan to values. The APR will vary based on an index.  The index is the Prime Rate as published the last business day of the quarter prior to the date of the interest adjustment in the Money Rates column of the Wall Street Journal.  As of August 1, 2023, the variable APR for lines of credit is 8.50% - 9.50%.  The rate is subject to change, but will not go below 4.25% APR and it will not  exceed 11.75% APR. Closing costs typically range from $0 to $750.  Consult your tax advisor regarding deductibility of interest.  Property insurance is required.