Loans Rates

Loan Type

Terms

Annual Percentage
Rate (APR)

New Vehicle (Car, Truck, Van, or Motor Home)

New - 100% MSRP
Up to 72 months (Car, Truck, or Van)
Up to 144 months (Motor Homes only)

Rates as low as 2.75%

Used Vehicle (Car, Truck, Van, or Motor Home)

Used - 100% NADA Retail

Term based on value of collateral

Rates as low as 2.75%

Signature Loan (Unsecured)

Up to $10,000
Maximum Term 5 years

Rates as low as 9.75%

New Motorcycle, Boat/Motor/Trailer, Travel
Trailer, Farm & Garden Equip.

New - 100% Purchase Price
Up to 72 months

Rates as low as 3.9%

Used Motorcycle, Boat/Motor/Trailer, Travel
Trailer, Farm & Garden Equip.

Used - 100% Dealer Certified
Term based on value of collateral

Rates as low as 3.9%

VISA Credit Card

Classic Card
Platinum Card 

7.9%, 9.9%, 12.9%

New Jet Ski & ATV's

New - 100% Purchase Price
Up to 60 months

Rates as low as 3.9%

Used Jet Ski & ATV's

Used - 100% Dealer Certified
Term based on value of collateral

Rates as low as 3.9%

Utility Trailer

New - 80% Purchase Price
Up to 60 Months

Rates as low as 3.9%

Certificate of Deposit Secured

Term equals length of CD

2.00% above pledged CD

Share Secured

Maximum Term 5 years 

2.00 % above current rate

Debt Consolidation

Up to $10,000
Maximum Term 5 years

 18.00%

Over-Draft Protection

$500.00 Maximum Limit

 18.00%

Real Estate

Call for current rates and details.  318-443-1200   

Savings Rates

All dividends are paid monthly.

Savings rates are effective 7/1/2018.

Account Type

Terms

Dividend Rate

Annual Percentage
Yield (APY)

Share Savings

Minimum balance of $25.00 required

Balance of $25.00 - $100.00
Balance of $100.01 - UP 

0.00%
0.30%

0.00%
0.30%

Share Draft (Checking)

No Minimum balance required

Balance of $0.00 - $1,000.00
Balance of $1,000.01 - UP 

0.00%
0.10%

0.00%
0.10%

Club Accounts/Vacation/Christmas

No Minimum balance required

0.30%

0.30%

IRA Savings

No Minimum balance required

1.00%

1.00%

6 - 11 Month Share Certificate

$500.00 Minimum balance required 

0.50%

0.50%

12 - 23 Month Share Certificate

$500.00 Minimum balance required 

0.80%

0.80%

24 - 35 Month Share Certificate

$500.00 Minimum balance required 

1.10%

1.11%

36 Month Share Certificate

$500.00 Minimum balance required 

1.20%

1.21%

6 - 11 Month IRA Share Certificate

$500.00 Minimum balance required 

0.60%

0.60%

12 - 23 Month IRA Share Certificate

$500.00 Minimum balance required 

0.90%

0.90%

24 - 35 Month IRA Share Certificate         

$500.00 Minimum balance required 

1.20%

1.21%