Rates
Vehicle, Motorcycle, and Outdoor Recreation Loan Rates
-
New Vehicles
New vehicles include vehicles that are current year or 1-2 prior year model vehicles with less than 30,000 miles. Up to 100% Loan-to-Value financed on New Vehicles. See a loan officer for full details.
Term APR* 1 - 36 Months as low as 3.79% 37 - 48 Months as low as 5.25% 49 - 60 Months as low as 5.50% 61 - 72 Months as low as 5.99% 73 - 84 Months as low as 6.50% -
Used Vehicles
Used vehicles include vehicles up to 10 years old (unless otherwise stated) and in good working order, are eligible for financing at Bragg Mutual. Up to 100% Loan-to-Value financed on Used Vehicles. See a loan officer for full details.
Term APR* 1 - 36 Months as low as 5.75% 37 - 48 Months as low as 5.75% 49 - 60 Months as low as 6.00% 61 - 72 Months as low as 6.25% -
New & Used Motorcycles
New motorcycles include motorcycles that are current year of one prior model year motorcycle. Used motorcycles include motorcycles up to 10 years old and in good working order, are eligible for financing at Bragg Mutual. Up 80% Loan-to-Value financed on New and Used Motorcycles. See a loan officer for full details.
Term APR* 1 - 24 Months as low as 8.50% 25 - 36 Months as low as 9.00% 37 - 48 Months as low as 9.25% 49 - 60 Months as low as 9.50% -
New & Used Outdoor Recreation
New & Used non-camping recreational vehicles include motorized golf carts, ATVs, towable trailers, dirt bikes, jet skis, or other vehicles not customarily used as basic transportation. Non-camping recreation vehicle must be current year or upcoming year models with less that 10,000 miles (and only titled once). We finance up to 85% of the non-camping recreational vehicle's value.
Term APR* 1 - 36 Months as low as 6.50%
Personal Loans
-
Unsecured Line of Credit
Loan Amount APR* Up to $10,000.00 as low as 10.50% -
Unsecured Term Loan
Term Loan Amount APR* Up to 36 Months Up to $5,000.00 as low as 10.50% 37 - 60 Months $5,000.01 to $15,000.00 as low as 10.50% -
Visa Credit Card
Type APR* VISA Elite Credit Card as low as 12.99% VISA Patriot Credit Card as low as 16.50% VISA Share Secured Credit Card as low as 12.50%
Real Estate Loans
-
Home Equity Line of Credit (HELOC)
Value Term APR* Floor Rate Up to 90% Revolving As low as Prime minus 0.25% 3.50% -
Home Equity Term Loan (HEL)
Value Term APR* Floor Rate Up to 90% 10 Years As low as 8.75% 3.50% Up to 90% 15 Years As low as 9.25% 3.50%
Deposit Accounts
| Account Type | Min. Balance To Open Account | Min. Balance to Earn APY | Dividend Rate* | APY* | Compounding |
|---|---|---|---|---|---|
| Savings | $5.00 | $300.00 | 0.10% | 0.10% | Quarterly |
| Checking | $10.00 | $500.00 | 0.00% | 0.00% | Monthly |
| Perks Checking | $10.00 | $0.00 | 1.50%1 | 1.51% | Monthly |
| $2,500.01 | 0.05% | 0.05% | Monthly | ||
| Perks Plus Checking | $50.00 | $0.00 | 1.50%1 | 1.51% | Monthly |
| $5,000.01 | 0.05% | 0.05% | Monthly | ||
| Money Market Account | $2,500.00 | $2,500.00 | 0.10% | 0.10% | Monthly |
| $10,000.00 | 1.00% | 1.01% | Monthly | ||
| $50,000.00 | 1.50% | 1.51% | Monthly | ||
| Holiday Club | $10.00 | $100.00 | 0.15% | 0.15% | Monthly |
| Vacation Club | $10.00 | $100.00 | 0.15% | 0.15% | Monthly |
| Traditional IRA | $10.00 | $300.00 | 0.65% | 0.65% | Monthly |
| Roth IRA | $10.00 | $300.00 | 3.00% | 3.03% | Monthly |
1 Must use online banking at least once per month; must enroll in e-Statements; must maintain a valid e-mail address on file; Perks Checking accounts must have a minimum of 12 signature-based or POS-based transactions (excludes ATM transactions) per month; Perks Plus Checking accounts must have a minimum of 24 signature-based or POS-based transactions (excludes ATM transactions) per month. If requirements are not met, dividends will be based on current Checking Account dividend rate. Dividend Rate of 1.50% applies only to the first $5,000.00 in a Perks Plus Checking account and only to the first $2,500.00 in a Perks Checking account.
Perks Money Market Account
| Account Type | Min. Balance To Open Account | Min. Balance to Earn APY | Max. Balance to Earn APY | Dividend Rate* | APY* | Compounding |
|---|---|---|---|---|---|---|
| Perks Money Market (Perks or Perks Plus Checking account required) | $50,000.00 | $50,000.00 | $250,000.00 | 3.20%1 | 3.25%1 | Monthly |
1 Requires active Perks or Perks Plus Checking account and at least $50,000.00 on deposit in your Perks Money Market. Only one Perks Money Market account per membership. Rates subject to change at any time. Fees, withdrawals, and other conditions may reduce earnings on account.
*All Deposit Account & Share Certificate rates are effective as of 05/12/2025. Interest rates and APYs are fixed for the term of the certificate. Rates, minimum deposit requirements and maturity dates for new accounts are subject to change daily at the discretion of the Board of Directors. Fees, penalties imposed for early withdrawal, or other conditions may reduce earnings on the account.
Share Certificate Rates
| Term | Min. Balance To Open Account | Min. Balance to Earn APY | Dividend Rate* | APY* | Compounding |
|---|---|---|---|---|---|
| 6 Months | $500.00 | N/A | 3.64% | 3.70%1 | Monthly |
| 12 Months | $1,000.00 | N/A | 4.17% | 4.25%1 | Monthly |
| 18 Months | $1,000.00 | N/A | 3.93% | 4.00% | Monthly |
| 24 Months | $1,000.00 | N/A | 4.07% | 4.15% | Monthly |
| 36 Months | $1,000.00 | N/A | 4.07% | 4.15% | Monthly |
| 48 Months | $1,000.00 | N/A | 3.93% | 4.00% | Monthly |
| 60 Months | $1,000.00 | N/A | 3.93% | 4.00% | Monthly |
1Dividends paid on balances up to $250,000.00.
*All Deposit Account & Share Certificate rates are effective as of 05/12/2025. Interest rates and APYs are fixed for the term of the certificate. Rates, minimum deposit requirements and maturity dates for new accounts are subject to change daily at the discretion of the Board of Directors. Fees, penalties imposed for early withdrawal, or other conditions may reduce earnings on the account.