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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 2016 and Newer

Terms*
in months
Minumum Loan
Amount
APR**
730+ A+
Up to 36 $500 1.99%
37 - 48 $5,000 2.24%
49 - 60 $10,000 2.49%
61 - 72 $15,000 2.74%
73 - 84 $20,000 2.99%
85 - 96 $30,000 3.49%

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


New Auto Loans: Model Years 2010 - 2015

Terms*
in months
Minumum Loan
Amount
APR**
730+ A+
Up to 36 $500 2.24%
37 - 48 $5,000 2.49%
49 - 60 $10,000 2.74%
61 - 72 $15,000 2.99%
73 - 84 $20,000 3.49%
85 - 96 $30,000 3.99%

New Auto Loans: Model Years 2009 and older

Terms*
in months
Minumum Loan
Amount
APR**
730+ A+
Up to 36 $500 4.50%
37 - 48 $5,000 4.75%
49 - 60 $10,000 5.00%

Personal Loans (Signature) - over $15,000

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

Revolving Line of Credit

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

Opportunity Loan

Terms*
in months
Minumum Loan
Amount
APR**
730+ A+
6 $500 N/A
12 $500 N/A

Share Secured Loan

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

Certificate Secured Loan

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

VISA

Terms*
in months
Minumum Loan
Amount
APR**
730+ A+
up to 144 $250 9.99%

Secured VISA

Terms*
in months
Minumum Loan
Amount
APR**
730+ A+
up to 144 $250 9.99%

Home Equity Line of Credit

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

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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