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Rates & Fees
Loan Rates


Type Features Term-APR
Share Certificate Loans Up to 90% of the Certificate Balance Pledged Share Certificate rate
plus -- 3.00% *1
Share Loans up to 90% of the Account Balance Minimum rate of -- 4.00%
Personal Line of Credit terms vary
Rate Range 9.90% to 18.00%
as low as -- 9.90%
Personal Loans (Closed End) terms vary
Rate Range 9.90% to 18.00%
as low as -- 9.90%
Auto New/Used (2014-Present)

terms vary
for qualified borrowers financing up to 100% of sales price New 

or NADA Retail Value Used
Rate Range 1.99% to 13.34%

as low as -- 1.99%
Auto Used (2013 & Older)

up to 100% NADA Retail Value
terms vary
Rate range 2.74% to 14.60%

as low as -- 2.74%
Motorcycles New Motorcycles up to 100% of sales invoice
Used Motorcycles up to 100% NADA retail
terms vary
Maximum 80% financing on Motorcycles classified as Sport Bikes
Rate range from 4.19% to 13.49%
as low as -- 4.19%
Boats Motors & Trailers Up to 100% of Dealer Invoice
terms vary
Rate range 4.19% to 13.49%
as low as -- 4.19%
Credit Cards Rate Range 9.90% to 11.90% as low as -- 9.90%
DW Mobile Home

up to 80% of appraisal

terms vary

call for rate
Garden Tractors, Farm Equipment and other Personal Property New: up to 100% of sales invoice
Used: a percentage of appraised value
terms vary
as low as -- 9.95%
Motor Homes and Campers Rates and terms vary as low as -- 3.59%
Home Equity Loans

80% of appraisal minus 1st mortgage balance
Rate adjusts quarterly with Prime. Call (803)432-5299 or 432-5473 
for details

as low as -- 5.00%
Land Up to 70% of appraised value or purchased price, the lesser of the two 60 months -- 5.00%
120 months -- 5.25%

*Loan rates are subject to change at any time.
Loan Rates listed effective August 5, 2016.

1Maturity of loan not to exceed the maturity of the Share Certificate pledged

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719 Highway 1 South, Lugoff, SC 29078
803-432-8521 or 1-800-433-5226