FIND THE RATE THAT FITS YOUR NEEDS

Rates

rates

In-House Mortgages

Our In-House mortgages are as different as each of our member’s 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 5.50%, 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.

Click here to apply for an in-house (variable rate) mortgage:

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 quick 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 4.50% and terms so that you can get the best payment that fits your budget. All rates are subject to credit approval.

Click here to apply for an auto loan:

Personal Loan Rates

Needing a little extra cash? We know unexpected expenses come up and are here to help you! With our signature loan, you can get up to $6,000 with rates as low as 8.50% depending on your credit score. If your credit score is needing 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!

Click here to apply for a personal loan:

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 6.50% 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.

Click here to apply for a recreational loan:

Mobile Home Loans

Home is where the heart is, and our team puts their heart and soul in making sure our members get the perfect loan, and mobile homes are no different! Land or no land, new or used, we are happy to get started on a loan that will get you into your new, or new to you, home! With rates as low as 8.00%, let us help you start your loan process today, the only thing we can’t help with is the moving boxes!

Click here to apply for a mobile home (recreational) loan: 

Savings Rates

Share Savings Account
$25.00 to $7,500.99 0.10% 0.10% Annual Percentage Yield
$7,501.00 to $10,000.99 0.20% 0.20% Annual Percentage Yield
$10.001.00 to $20,000.99 0.30% 0.30% Annual Percentage Yield
$20,001.00 to $50,000.99 0.35% 0.35% Annual Percentage Yield
$50,001.00 to $100,000.99 0.40% 0.40% Annual Percentage Yield
$100,001.00 and up 0.50% 0.50% Annual Percentage Yield
Premium Share Savings Account
$25.00 to $7,500.99 0.15% 0.15% Annual Percentage Yield
$7,501.00 to $10,000.99 0.25% 0.25% Annual Percentage Yield
$10,001.00 to $20,000.99 0.35% 0.35% Annual Percentage Yield
$20,001.00 to $50,000.99 0.40% 0.40% Annual Percentage Yield
$50,001.00 to $100,000.99 0.45% 0.45% Annual Percentage Yield
$100,001.00 and up 0.55% 0.55% Annual Percentage Yield
* Savings with Checking Account
Premium Share Draft (Checking) Account

$500.00 Minimum  |  0.25% Annual Percentage Yield

Kids Club Share Account

$25.00 and up  |  0.25% Annual Percentage Yield


Vacation Club Share Account

No Minimum  |  0.10% Annual Percentage Yield


Christmas Club Share Account

No Minimum  |  0.10% Annual Percentage Yield


Traditional or Roth IRA Share Account

No 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.


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