Loan Rates

New, 1 and 2 Year Old Vehicles
Effective Date: Current as of 6/15/17
100% Financing available for those who qualify on New Vehicles/Recreational Vehicles. A minimum down payment of 10% of the purchase price (delivered) may be required on any New Vehicle/Recreational Vehicle. Down payment may be considered as cash and/or trade in, and/or shares as security.
TermRates Start At
1-48 Months 2.75%
49-60 Months 3.00%
61-72 Months 3.25%

84 Months (New Vehicle, at least $25,000)

4.25%

48 monthly payments of $22.02 per $1000 borrowed at 2.50% APR.
APR is Annual Percentage Rate.

Used Vehicles 3 Years and Older
Includes Automobiles, Vans, Trucks, or Motorcycles purchased or refinanced from another financial institution. 100% Financing of the NADA retail price, or appraised value available for those who qualify on all Used Vehicles/Recreational Vehicles. A minimum down payment of 10% of the NADA retail price or appraised value may be required on any Used Vehicle/Recreational Vehicle. Down payment may be considered as cash and/or trade in, and/or shares as security.
NameTermRates Start At
3-5 Years Old    
  48 Months 3.50%
  60 Months 3.75%
  72 Months ($15,000 Min) 4.25%
6-8 Years Old    
  36 Months 4.00%
  42 Months 4.25%
  48 Months ($10,000 Min) 4.75%
9 Years & Older    
  36 Months 6.75%
  48 Months ($10,000 Min) 7.25%
Classic Cars    
  36 Months 6.75%

Recreational Vehicles (Large)
Motor Homes, Boats, Travel Trailers, Campers, Farm Equipment.
NameTermRates Start AtAmount Financed

New and 1 Year Old

  Up to 60 Months 5.25% $0-10,000
  61 to 84 Months 6.00% $10,001 - 20,000
  85 to 120 Months 6.50% $20,001 - 30,000
  121 to 144 Months 7.00% $30,000+

Used 2+ Years Old

  Up to 60 Months 5.35% $0-10,000
  61 to 84 Months 6.10% $10,001 - 20,000
  85 to 120 Months 6.60% $20,001 - 30,000
  121 to 144 Months 7.10% $30,000+

Recreational Vehicles (Small)
ATV's, Snowmobiles, Jet Ski's, Dirt Bikes, Lawnmowers.
NameTermRates Start AtAmount Financed

New and 1 Year Old

  Up to 36 Months 6.50% $0-10,000
  37 to 48 Months 6.75% $0-10,000
  49 to 60 Months 7.00% $10,001+

Used 2+ Years Old

  Up to 36 Months 7.25% $0-10,000
  37 to 48 Months 7.50% $0-10,000
  49 to 60 Months 7.75% $10,001+

36 monthly payments of $30.65 per $1000 borrowed at 6.50% APR.

Signature Loans
Loans on signature alone, for any reasonable purpose. No security required.
TermRates Start At
36 Months 10.75%
48 Months 11.75%
60 Months 12.75%

No longer than 60 Months. Members who qualify may borrow up to $5,000.

36 monthly payments of $32.63 per $1000 borrowed at 10.75% APR.

Fixed Rate Home Equity Loans
Low, competitive rate of interest. Can be used for any reason. Interest may be tax deductible. Fixed rate of interest.
TermRate
60-120 Months 5.50%
121-180 Months 5.50%

LTV: 80% of SEV or Appraised Value (less amount owed) up to $50,000. 80% of SEV or Appraised Value $50,001 - $75,000.

No application fee. No annual fee.

Share Secured Loans
100% share secured loans may be obtained up to 20 years with a four year balloon clause at 3.00% above current share rate.
TermSharesRate
1 - 72 Months 50% 4.50% above current share rate
1 - 72 Months 75% 3.50% above current share rate
1 - 72 Months 100% 2.50% above current share rate

Mortgage Loans
First Lien, Member-occupied, Single Family.
TermRate
Up to 10 Years 4.75%
10 Years, 1 Day - 15 Years 4.75%
15 Years, 1 Day - 20 Years 4.75%
20 Years, 1 Day - 30 Years 5.35%
120 monthly payments of $10.49 per $1000 borrowed at 4.75% APR.

APR is Annual Percentage Rate. APY is Annual Percentage Yield.
Rates & Terms are subject to change without notice. All Rates may vary based on credit history, security, term of loan, and direct deposit. Rates listed are for Transunion credit scores of at least 700.