As a member owned financial cooperative Southern Lakes Credit Union looks for ways to provide competitive rates.
Share Rates (Effective 11/28/2025)
Share Savings Accounts
| Account Type |
Dividend Rate |
Annual Percentage Yield (APY) |
Min Required to Earn Stated APY |
| Share Savings |
0.10% |
0.10% |
$100.00 |
| Sub Share Savings |
0.10% |
0.10% |
$100.00 |
| Holiday Club |
0.10% |
0.10% |
$100.00 |
| Youth Share Savings |
0.25% |
0.25% |
$5.00 |
| Summer Share Savings |
0.10% |
0.10% |
$100.00 |
| Tax Escrow Share Savings |
0.20% |
0.20% |
$0.00 |
| Vacation Share Savings |
0.10% |
0.10% |
$100.00 |
| Health Savings Share |
0.10% |
0.10% |
$0.00 |
Gold Seal Savers Share (Money Market Savings)
| Account Balance |
Dividend Rate |
Annual Percentage Yield (APY) |
Min Required to Earn Stated APY |
| Less than $10,000 |
0.26% |
0.26% |
$2,500.00 |
| $10,000 – $24,999.99 |
0.35% |
0.35% |
$10,000.00 |
| $25,000 – $49,999.99 |
0.38% |
0.38% |
$25,000.00 |
| $50,000 and Greater |
0.40% |
0.40% |
$50,000.00 |
Term Share Certificates
| Term |
Dividend Rate |
Annual Percentage Yield (APY) |
Min Required to Earn Stated APY |
| 6 Months |
0.545% |
0.56% |
$500.00 |
| 12 Months |
3.224% |
3.25% |
$500.00 |
| 18 Months |
3.863% |
3.90% |
$500.00 |
| 24 Months |
3.470% |
3.50% |
$500.00 |
| 36 Months |
3.470% |
3.50% |
$500.00 |
| 48 Months |
3.470% |
3.50% |
$500.00 |
| 60 Months |
3.715% |
3.75% |
$500.00 |
Traditional IRA/Roth IRA/Coverdell Education Share Savings
| Account Balance |
Dividend Rate |
Annual Percentage Yield (APY) |
Min Required to Earn Stated APY |
| Less than $2,000 |
0.10% |
0.10% |
$500.00 |
| $2,000 – $4,999.99 |
0.10% |
0.10% |
$2,000.00 |
| $5,000 – $7,499.99 |
0.10% |
0.10% |
$5,000.00 |
| $7,500 and Greater |
0.10% |
0.10% |
$7,500.00 |
Traditional IRA/Roth IRA Term Share Certificates
| Term |
Dividend Rate |
Annual Percentage Yield (APY) |
Min Required to Earn Stated APY |
| 12 Months |
3.250% |
3.25% |
$500.00 |
| 18 Months |
0.56% |
0.56% |
$500.00 |
| 24 Months |
3.470% |
3.50% |
$500.00 |
| 36 Months |
3.470% |
3.50% |
$500.00 |
| 48 Months |
3.470% |
3.50% |
$500.00 |
| 60 Months |
3.715% |
3.75% |
$500.00 |
Rates are subject to change without notice. Complete details on fees and terms applicable to the listed accounts and additional information regarding compounding and crediting and other account information available upon request in the Truth-in-Savings Disclosure. Funds federally insured by NCUA.
Consumer Loan Rates (Effective 07/01/2025)
Titled Vehicles
| Term |
APR As Low As |
Monthly Payment Per $1,000 |
| Up to 60 Months |
4.910% |
$18.83 |
| 72 Months |
4.907% |
$16.06 |
| 84 Months |
5.405% |
$14.33 |
Non-Titled Vehicles, ATVs, RVs, and Boats
| Term |
APR As Low As |
Monthly Payment Per $1,000 |
| Up to 60 Months |
6.46% |
$19.55 |
Titled RVs, Motor Homes, and Boats
| Term |
APR As Low As |
Monthly Payment Per $1,000 |
| Up to 60 Months |
6.210% |
$19.43 |
| 72 Months |
6.476% |
$16.79 |
| 84 Months |
7.465% |
$15.32 |
Large Titled RVs, Motor Homes, and Boats
(Up to 5 years old with a minimum of $45,000 borrowed)
| Term |
APR As Low As |
Monthly Payment Per $1,000 |
| 84 Months |
7.453% |
$15.32 |
| 120 Months |
8.192% |
$12.24 |
| 180 Months |
9.191% |
$10.27 |
Kwik Cash Line of Credit
| Rate |
APR |
Monthly Payment Per $1,000 |
| 10.99% |
10.990% |
$30.00 |
Lifestyle Unsecured Loans
| Term |
APR As Low As |
Monthly Payment Per $1,000 |
| Up to 36 Months |
9.990% |
$32.21 |
Share Secured Loans
| Term |
Rate |
| Up to 36 Months |
Rate is 4% above share rate of the share used to secure the loan (APRs vary based on amount borrowed and term) |
Fixed Rate Home Equity Line of Credit
(Up to 80% LTV; 5 year draw then 10 year repayment)
| Rate As Low As |
APR As Low As |
Monthly Payment Per $1,000 |
| 6.490% |
6.830% |
$15.00 |
Rates shown are the lowest offered. Your individual loan rates, terms, and conditions may vary based on factors including your credit score, credit history, age and mileage of the collateral, down payment, and underwriting guidelines. All loans are subject to credit approval, and down payment conditions may apply.
APR is Annual Percentage Rate and is valid as of the rate effective date. Rates and APRs may change without prior notice. APR is calculated based on a $10,000 loan amount ($45,000 for Large Titled RVs, Boats, and Motor Homes) over the term specified with standard origination charges or closing costs applied.
Monthly payments for the Home Equity Line of Credit are calculated as 1.5% of the balance outstanding at the end of the preceding month. When the draw period ends, the payment is fixed at 1.5% of the balance outstanding at the end of the draw period and remains fixed throughout the repayment period. Closing costs may apply.
Mortgage Loan Rates
For our current mortgage rates, visit our mortgage page.
