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Sharing the advantages of great rates
| CREDIT CARDS | APR* as low as as low as |
|---|---|
| Credit Builder Advantage | 14.04% |
| Advantage Rewards | 10.24% |
| Gold Rate Advantage | 7.99% |
| Credit Cards' Features | |
| VEHICLE LOANS | APR* as low as as low as |
|---|---|
| Autos new to 2 years old | 5.99% |
| Autos 3-7 years old | 6.24% |
| Autos 8+ years old | 7.74% |
| RECREATIONAL LOANS | APR* as low as as low as |
|---|---|
| Recreational Vehicles** new to 1 year old | 7.74% |
| Recreational Vehicles** 2+ years old | 7.99% |
| RV/Motorhome new to 4 years old | 9.24% |
| RV/Motorhome 5-9 years old | 9.74% |
| RV/Motorhome 10+ years old | 10.74% |
| MORTGAGE LOANS | APR* as low as as low as |
|---|---|
| Mortgage | Call For Rates |
| Home Equity | |
| LTV* TO 80% | 6.25% |
| LTV* TO 90% | 7.99% |
| Other Mortgage Products | |
| Home Equity Line-of-Credit LTV* TO 90% | Call For Rates |
| Long-term mortgages, VA, FHA, and more | Call Us for Information |
| Construction Loans | 6% interest only |
| PERSONAL LOANS | APR* as low as as low as |
|---|---|
| Signature Loan | 11.74% |
| Share Pledge Loan Pledged account or CD interest rate plus 2% | Varies |
| Overdraft Protection Line-of-Credit $25 Min. Payment | 15.15% |
* APR = Annual Percentage Rate. LTV = Loan to Value.
CREDIT CARDS: Rate based on creditworthiness. Credit card base rates are the current prime rate plus the card's index margin. All cards are variable rate. The -base rate example listed above- is the historically low prime rate in July 2020 of 3.25% plus the card's index margin; please check the current prime rate as the prime rate fluctuates several times a year. Member eligibility required.
OTHER LOANS: Current loan rates are effective 12/01/2024 and are quoted above as "lowest possible rate." Other rates are available. Rates are based on past credit history, down payment, term, and model year (if applicable) and are subject to change without notice. Other discounts may apply. Contact a loan officer for details. Member eligibility required.
** Recreational Vehicles include campers, motorcycles, boats, jet skis, ATVs/QUADs, dirt bikes, dune buggies, snowmobiles, and trailers to tow. This is not a comprehensive list. Don’t see the toy you want listed? Give us a call.
Main Office & Mailing Address
2502 Maple Grove Rd.
Duluth, MN 55811
Phone
(218) 722-5931
Fax
218-740-3080
Essentia Office
Miller Dwan Building Lobby
502 E 2nd St. Bldg.C Ste.L8412
Duluth, MN 55805
Phone
(218) 740-2244
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