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Loan Rates


Our members financial security and future are important to us. We provide the most competitive loan rates available and offer the “right loan” for your financial needs. We look forward to helping you!

New Auto Loans: Model Years 2017 and Newer

Terms*
in months
Minimum Loan
Amount
APR**
730+ A+
Up to 36 $500 2.50%
37 - 48 $5,000 2.75%
49 - 60 $10,000 3.00%
61 - 72 $15,000 3.25%
73 - 84 $20,000 3.50%
85 - 96 $30,000 3.75%

Loan value for New Auto based on MSRP
Loan value for Used Autos based on NADA Clean Retail Value


Used Auto Loans: Model Years 2011 - 2016

Terms*
in months
Minimum Loan
Amount
APR**
730+ A+
Up to 36 $500 3.50%
37 - 48 $5,000 3.75%
49 - 60 $10,000 4.00%
61 - 72 $15,000 4.25%
73 - 84 $20,000 4.50%
85 - 96 $30,000 4.75%

Used Auto Loans: Model Years 2010 and older

Terms*
in months
Minimum Loan
Amount
APR**
730+ A+
Up to 36 $500 5.00%
37 - 48 $5,000 5.25%
49 - 60 $10,000 5.50%

Recreational Vehicle Loans: Boats, RVs, Motor Homes, Jet Skis, Motorcycles, Etc Less than $15,000

Terms*
in months
Minimum Loan
Amount
APR**
730+ A+
Up to 36 $500 3.99%
37 - 48 $500 4.24%
49 - 60 $500 4.49%
61 - 72 $500 4.74%
73 - 84 $500 4.99%

Recreational Vehicle Loans: Boats, RVs, Motor Homes, Jet Skis, Motorcycles, etc $15,000 or more

Terms*
in months
Minimum Loan
Amount
APR**
730+ A+
Up to 36 $15,000 4.49%
37 - 60 $15,000 4.74%
61 - 84 $15,000 4.99%
84 - 108 $15,000 5.24%
108 - 120 $15,000 5.49%

Anniversary Loan (Signature) - up to $5,000

Terms*
in months
Minimum Loan
Amount
APR**
730+ A+
Up to 36 $5,000 5.50%

Personal Loans (Signature) - under $15,000

Terms*
in months
Minimum Loan
Amount
APR**
730+ A+
Up to 36 $250 7.99%
37 - 48 $250 8.49%
49 - 60 $250 8.99%

Personal Loans (Signature) - over $15,000

Terms*
in months
Minimum Loan
Amount
APR**
730+ A+
Up to 36 $15,000 9.49%
37 - 48 $15,000 9.99%
49 - 60 $15,000 10.49%

* Terms may be extended by up to 6 months for members adding Credit Life, Credit Disability,
or GAP to their loan.


Overdraft Line of Credit

Terms*
in months
Minimum Loan
Amount
APR**
730+ A+
N/A $250 15.00%

Revolving Line of Credit

Terms*
in months
Minimum Loan
Amount
APR**
730+ A+
N/A $250 15.00%

Opportunity Loan

Terms*
in months
Minimum Loan
Amount
APR**
730+ A+
6 $500 N/A
12 $1,000 N/A

Advantage Pay Recovery

Terms*
in months
Maximum Loan
Amount
APR**
For All
up to 12 months $1,100 12.00%

No Discounts


Share Secured Loan

Terms*
in months
Minimum Loan
Amount
APR**
730+ A+
up to 144 $250 3.99%

Certificate Secured Loan

Terms*
in months
Minimum Loan
Amount
APR**
730+ A+
up to 144 N/A Rate issued at 2% over rate of pledged certificate

VISA

Terms*
in months
Minimum Loan
Amount
APR**
730+ A+
N/A $250 9.99%

Secured VISA

Terms*
in months
Minimum Loan
Amount
APR**
730+ A+
N/A $250 9.99%

Home Equity Line of Credit

Terms*
in months
Minimum Loan
Amount
APR**
730+ A+
up to 240 N/A 5.00%

Ten year draw; ten year payoff
Variable rate can change annually at 2% over prime


Home Equity - Fixed Rate

Terms*
in months
Minimum Loan
Amount
APR**
730+ A+
up to 120 N/A 4.00%
121 -180 N/A 5.00%

Rate Discounts

GAP Insurance 0.50%
Payroll Deduction/ Auto transfer 0.25%
Credit Card 0.25%
Home Banking/Mobile Banking 0.25%
Credit Life and/or Credit Disability Insurance 0.25%

Maximum rate discount of 1% is allowed
Discounts cannot exceed floor rate.


1st Quarter Loan Promotion

$5,000 Personal Loan at 5%
Up to 60 months

**APR = Annual Percentage Rate, based on individual credit history. Rates effective as of January 2018 and subject to change.


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