Rates & Specials
CURRENT LOAN SPECIAL: 1.00% OFF NORMAL RATES LISTED BELOW! (EXCLUDING CREDIT CARDS AND HOME EQUITY LOANS; LOANS MUST HAVE AT LEAST $1000 IN NEW MONEY TO RECEIVE DISCOUNT) LIMITED TIME ONLY! SAVE MONEY TODAY!
New Vehicle Rates
| Credit Score | 24mo | 36mo | 48mo | 60mo | 72mo | 84mo | |
|---|---|---|---|---|---|---|---|
| 730+ | A+ | 2.00% | 2.75% | 3.00% | 3.25% | 3.50% | 3.75% |
| 680 – 729 | A | 3.25% | 3.50% | 3.75% | 4.00% | 4.25% | 4.50% |
| 640 – 679 | B | 4.25% | 4.50% | 4.75% | 5.00% | 5.25% | 5.50% |
| 600 – 639 | C | 8.25% | 8.50% | 8.75% | 9.00% | 9.25% | 9.50% |
| 550 – 599 | D | 11.25% | 11.50% | 11.75% | 12.00% | N/A | N/A |
| 549 or less | E | 14.25% | 14.50% | 14.75% | 15.00% | N/A | N/A |
NOTE: 84 month loans only available on amounts of $20,000 or more
Used Vehicle Rates
| Credit Score | 24mo | 36mo | 48mo | 60mo | 72mo | |
|---|---|---|---|---|---|---|
| 730+ | A+ | 2.75% | 3.00% | 3.25% | 3.50% | 3.75% |
| 680 – 729 | A | 3.50% | 3.75% | 4.00% | 4.25% | 4.50% |
| 640 – 679 | B | 4.50% | 4.75% | 5.00% | 5.25% | 5.50% |
| 600 – 639 | C | 8.50% | 8.75% | 9.00% | 9.25% | 9.50% |
| 550 – 599 | D | 11.50% | 11.75% | 12.00% | 12.25% | N/A |
| 549 or less | E | 14.50% | 14.75% | 15.00% | 15.25% | N/A |
60 month term available on 2019-2018 model years
48 month term available on 2017-2016 model years
36 month term available on 2015-2014 model years
24 month term available on 2013 and older
100,000 miles or less only; No salvage or rebuilt titles
Recreational Vehicles (New and Used)
Motorcycle, Boat, Camper & RV
| Credit Score | 24mo | 36mo | 48mo | 60mo | 72mo | 96mo | 120mo | |
|---|---|---|---|---|---|---|---|---|
| 730+ | A+ | 3.25% | 3.50% | 3.75% | 4.00% | 4.25% | 4.75% | 5.25% |
| 680 – 729 | A | 4.00% | 4.25% | 4.50% | 4.75% | 5.00% | 5.50% | 6.00% |
| 640 – 679 | B | 5.00% | 5.25% | 5.50% | 5.75% | 6.00% | 6.50% | 7.00% |
| 600 – 639 | C | 9.00% | 9.25% | 9.50% | 9.75% | 10.00% | 10.50% | 11.00% |
| 550 – 599 | D | 12.00% | 12.25% | 12.50% | 12.75% | N/A | N/A | N/A |
| 549 or less | E | 15.00% | 15.25% | N/A | N/A | N/A | N/A | N/A |
The maximum loan amount for a used boat is $30,000
72 month loans must be $25,000 or more
96 month loans must be $35,000 or more
120 month loans must be $45,000 or more
Unsecured Loans
| Credit Score | 12mo | |
|---|---|---|
| 730+ | A+ | 9.00% |
| 680 – 729 | A | 10.00% |
| 640 – 679 | B | 12.00% |
| 600 – 639 | C | 15.00% |
| 550 – 599 | D | 18.00% |
| 549 or less | E | 18.00% |
Current Home Equity Rate
| Credit Score | HELOC VRL up to 80% LTV | HELOC VRL up to 90% LVT | HOME EQUITY 2nd Fixed 80% LTV | HOME EQUITY 2nd Fixed 90% LTV | |
|---|---|---|---|---|---|
| 730+ | A+ | Prime – 0.25% = 3.00% | Prime + 1 = 4.25% | 4.25% | 5.25% |
| 680 – 729 | A | Prime – 0.25% = 3.00% | Prime + 1 = 4.25% | 4.25% | 5.25% |
| 640 – 679 | B | Prime + 1 = 4.25% | Prime + 2 = 5.25% | 5.25% | 6.25% |
| 600 – 639 | C | Prime + 3 = 6.25% | Prime + 4 = 7.25% | 7.25% | 8.25% |
| 550 – 599 | D | Prime + 4 = 7.25% | Prime + 5 = 8.25% | 8.25% | 9.25% |
| 549 or less | E | Prime + 5 = 8.25% | Prime + 6 = 9.25% | 9.25% | 10.25% |
Share/CD Secured Loans
3.5% above what is being earned at the time of advance.
Visa Credit Cards
| Credit Score | Rate | |
|---|---|---|
| Thru 680 | A+, A | Platinum 8.99% |
| 679 – 600 | B, C | Gold 11.99% |
| 599 or less | D, E | Classic 17.99% |
Share Rates
| Regular Share | 0.02% APR | 0.02% APY | |
| Share Draft | 0.00% APR | 0.00% APY | |
| IRA | 0.10% APR | 0.10% APY | |
| Club Accounts | 0.02% APR | 0.02% APY |
Certificate Rates
$500 Minimum
| 3 Month | 0.05% APR | 0.05% APY | |
| 6 Month | 0.05% APR | 0.05% APY | |
| 12 Month | 0.05% APR | 0.05% APY | |
| 18 Month | 0.10% APR | 0.10% APY | |
| 24 Month | 0.10% APR | 0.10% APY |
$1,000 Minimum
| 3 Month | 0.05% APR | 0.05% APY | |
| 6 Month | 0.05% APR | 0.05% APY | |
| 12 Month | 0.05% APR | 0.05% APY | |
| 18 Month | 0.10% APR | 0.10% APY | |
| 24 Month | 0.10% APR | 0.10% APY |
$5,000 Minimum
| 3 Month | 0.05% APR | 0.05% APY | |
| 6 Month | 0.05% APR | 0.05% APY | |
| 12 Month | 0.05% APR | 0.05% APY | |
| 18 Month | 0.10% APR | 0.10% APY | |
| 24 Month | 0.10% APR | 0.10% APY |
$10,000 Minimum
| 3 Month | 0.05% APR | 0.05% APY | |
| 6 Month | 0.05% APR | 0.05% APY | |
| 12 Month | 0.05% APR | 0.05% APY | |
| 18 Month | 0.10% APR | 0.10% APY | |
| 24 Month | 0.10% APR | 0.10% APY |
The rate you receive is based on your credit worthiness and term of loan
*Member Loyalty Discount Available on Select Loans