Loan Rates

Auto and Motorcycle Rates

Up to 125% MSRP including taxes, license, warranties, and all other adds

APR as low as¹

New vehicles (next, current, and prior year)

5.44%

Used vehicles 2 years to under 5 years old

5.74%

Used vehicles 5 years to under 7 years old

6.24%

Used vehicles 7 years to under 10 years old

6.74%

¹APR = Annual Percentage Rate. Rates effective as of 7/21/2023 and are subject to change at any time without notice. The rate posted is the lowest possible rate and may vary depending on past credit history, down payment, and approximate term. Advertised APR include a 0.25% auto pay discount. If auto pay is not established, APR will be 0.25% higher than advertised rate, not to exceed 17.99%. Membership eligibility is required. Terms and conditions apply. All loans are subject to approval. For a $30,000 loan for a term of 60 months with a 6.39% APR, the monthly payment will be $585.

Personal and Quick Cash Loan Rates

Personal Loan ($3,000 minimum)

10.24%

Quick Cash²

11.24% Variable³

¹Monthly payment is based on your payment per $1,000 for APR rate and term. APR = Annual Percentage Rate. Rates effective 7.21.2023 and are subject to change at any time without notice. The rate posted is the lowest possible rate and may vary depending on past credit history, down payment, and approximate term. Advertised APR include a 0.25% auto pay discount. If auto pay is not established, APR will be 0.25% higher than advertised rate, not to exceed 17.99%. All loans are subject to approval. Membership eligibility is required. Terms and conditions apply. Payment Example: For a $10,000 loan for a term of 36 months with a 10.24% APR, the monthly payment will be $324. ²The minimum payment is $20.00 or 4% of the outstanding balance, whichever is greater. With a Quick Cash, no grace period applies. Interest will begin to accrue the day of the first advancement. ³Based on the 6-month T-bill rate

Recreational-Type Vehicle Rates

Boats, ATVs, UTVs, Snowmobiles, Jet Skis, RVs, Campers, etc.

APR as low as²

New recreational-type vehicles

6.39%

Used recreational-type vehicles 2 years to under 5 years old

7.39%

Used recreational-type vehicles 5-7 years old

7.89%

Used recreational-type vehicles 7-10 years old

8.39%

²APR = Annual Percentage Rate. Rates effective as of 7/21/2023 and are subject to change at any time without notice. The rate posted is the lowest possible rate and may vary depending on past credit history, down payment, and approximate term. Advertised APR include a 0.25% auto pay discount. If auto pay is not established, APR will be 0.25% higher than advertised rate, not to exceed 17.99%. Membership eligibility is required. Terms and conditions apply. All loans are subject to approval. For a $30,000 loan for a term of 60 months with a 6.39% APR, the monthly payment will be $585.

Share Secured/Share Certificate Secured Loan Rates

Description

APR*

Repayment Terms**

One Year Share Secured Loans¹

3.90% Fixed

$85.11

Share Certificate Secured Loans²

2.00% Above Share Certificate Rate

Repayment terms are dependent upon the current certificate rate. Please call for details.

*APR = Annual Percentage Rate **Monthly payment is based on your payment per $1,000 for APR rate and term. (1) Payment Example: For a $10,000 loan at 3.90% APR for 12 months, monthly payments will be $851.04. (2) Balloon Payment Example: For a $150,00 balloon loan for a term of 120 months with a 3.40% APR (in effect August 2020), there will be 119 monthly payments of $665.22 and one final payment of $116,389.58. Share Certificate Secured loans may be written with a balloon note feature with a maturity date that matches the maturity date of the Share Certificate. The amortization term can extend to ten years for balloon notes. Share secured loans can be amortized to ten years with a balloon date at 36 months. All loans are subject to approval. All rates are effective as of 7.21.23.

Loan Rates

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