Loan rates

In-House Mortgages

Our In-House Mortgages are as different as each of our members’ needs. From variable-rate mortgages, Land Loans, and Home Equity Loans, our loan officers are able to finance whatever makes you say, “It’s good to be home!” With our excellent rates starting as low as 7.00%, and a team of skilled lenders ready to help you, we’re able to make sure you love your loan as much as you love your home!

All rates are subject to credit approval.

apply for an in-house (variable rate) mortgage

 

Loan rates

Auto Loans

Whether you’ve already found your next vehicle or you’re looking to get pre-approved before you start shopping, we’re here to get you behind the wheel as quickly as possible. We can typically get your loan approved, typed, and you out the door with a check in your hand in a day’s time. Our new and used auto loans have excellent rates starting at 4.25% and terms so that you can get the best payment that fits your budget. All rates are subject to credit approval.

Apply for an auto loan

Loan rates

Personal Loan Rates

Needing a little extra cash? We know unexpected expenses come up, and we are here to help you! With our Signature Loan, you can get up to $6,000 with rates as low as 9.50%, depending on your credit score. If your credit score needs a boost, we can help you with that, too! Share Secure Loans help build your credit history and positively affect your credit score by making on-time payments. With our Share Secure Loan rates as low as 4.00% or Share Certificate rates 3.00% above our CD rates, ask our lenders about how we can get a little extra money in your pocket and boost your credit score!

Apply for a personal loan

Loan rates

Recreational Loans

From Motorhomes, motorcycles, dirt bikes, campers, boats, jet skis, ATVs, UTVs, lawnmowers, and lawn tractors, we’ve got you covered. We want you to make the most out of your life, while paying the least! Ensuring that you get the best rates starting at 6.75% with the best terms, our team will have you out of our office and doing what you love in no time. All rates are subject to credit approval.

apply for a reacreational loan

Savings rates

Share Savings Account

Rates accurate as of

Share Savings Account
Share Savings Account Balance Rate APY**
$25 to $7,500.99 0.10% 0.10% Annual Percentage Yield
$7,501 to $10,000.99 0.15% 0.15% Annual Percentage Yield
$10.001 to $20,000.99 0.25% 0.25% Annual Percentage Yield
$20,001 to $50,000.99 0.30% 0.30% Annual Percentage Yield
$50,001 to $100,000.99 0.40% 0.40% Annual Percentage Yield
$100,001 and up 0.50% 0.50% Annual Percentage Yield
 

Savings rates

Premium Share Savings Account

Rates accurate as of

Premium Share Savings Account
Premium Share Savings Account Balance Rate APY**
$25 to $7,500.99 0.15% 0.15% Annual Percentage Yield
$7,501 to $10,000.99 0.20% 0.20% Annual Percentage Yield
$10,001 to $20,000.99 0.30% 0.30% Annual Percentage Yield
$20,001 to $50,000.99 0.35% 0.35% Annual Percentage Yield
$50,001 to $100,000.99 0.45% 0.45% Annual Percentage Yield
$100,001 and up 0.60% 0.60% Annual Percentage Yield

Savings with a Checking Account

Premium Share Draft (Checking) Account*

Rates accurate as of

Premiem Share Draft Account
Account type APY**
$500 Minimum 0.25% Annual Percentage Yield
* All variable rate accounts are subject to change once account is opened. An early withdrawal penalty may be imposed on the Certificates of Deposit. There are no maintenance fees for share certificates. A dormant fee of $10.00 dollars will be imposed on the savings accounts with no activity for 24 months. Fees like this could reduce earnings on the account. There are no minimum balances on share savings accounts, $25 does go to your membership share which represents your ownership of Lake Chem. If you close your account, you get the $25 back.