Make the right choice with the right rate. You work hard for your money. You can depend on low rates and the assurance that we provide an easy loan process. Right now, you can enjoy rates as low as 1.80% APR with approved credit. Many of our members enjoy a longer term up to 84 months. Make the right choice with the right rate at Mutual Savings. Life can be hard – but loans at Mutual Savings aren’t.