Loan Rates

Loan TypeMaximum AmountAPR* as low asTerm
Personal Loans Up to $15,000 per household 6.00% Up to 24 months
Personal Loans Up to $15,000 per household 7.00% 36 months
Personal Loans Up to $15,000 per household 8.00% 37 to 60 months

Credit Card LoansBase APR*Term
VISA Platinum (No Rewards) 7.99% Revolving
VISA Platinum (Rewards) 9.99% Revolving
Secured VISA (up to $2,500) 17.99% Revolving

Autos (20% or more Down Payment)Maximum AmountAPR* as low asTerm
New Autos1 Up to 125% MSRP 2.59% up to 48 months
Up to 125% MSRP 2.79% 60 months
Up to 125% MSRP 2.99% 72 months
Up to 125% MSRP 3.29% 84 months
Used Autos1 Up to 125% Retail Kelley Blue Book 2.59% up to 48 months
Up to 125% Retail Kelley Blue Book 2.79% 60 months
Up to 125% Retail Kelley Blue Book 2.99% 72 months
Up to 125% Retail Kelley Blue Book 3.29% 84 months
Autos (Less than 20% Down Payment)Maximum AmountAPR* as low asTerm
New Autos1

Up to 125% MSRP 2.79% up to 48 months
Up to 125% MSRP 2.99% 60 months
Up to 125% MSRP 3.29% 72 months
Up to 125% MSRP 3.59% 84 months
Used Autos1

Up to 125% MSRP 2.79% up to 48 months
Up to 125% Retail Kelley Blue Book 2.99% 60 months
Up to 125% Retail Kelley Blue Book 3.29% 72 months
Up to 125% Retail Kelley Blue Book 3.59% 84 months
Home Equity Loans Base APR* Term 
Home Equity Line of Credit - Up to $150,000 Prime - 0.50% [Up to 70% LTV] Open-End
Home Equity Line of Credit - Up to $150,000 Prime + 0.00% [71 - 80% LTV] Open-End
Home Equity Line of Credit - Up to $150,000 Prime + 1.00% [81 - 90% LTV] Open-End
Loan TypeMaximum AmountAPR* as low asTerm
Cash Infusion Loan Up to $750 per household 27.00% Up to 3 months
Loan TypeMaximum AmountAPR* as low asTerm
New Motorcycles Up to 125% MSRP 4.29% up to 48 months
New Motorcycles Up to 125% MSRP 5.29% 49 - 72 months

Effective date: 6/1/2015 . Interest Rates are set by the Board of Directors and are subject to change.

*APR = Annual Percentage Rate. **Certificate Secured rate is 3% over dividend rate. ***Closed End = no additional advance allowed.Rates displayed are the lowest rates available. Rates are applicable to members with proven ability to maintain excellent credit for a period of 3 years or more and to effectively manage their level of unsecured debt while building assets. Increase in rates of up to 14% could be added to the rates for members who fail to meet this criteria. All loan commitments will be on approval of credit and based on the creditworthiness and the abilities of the individual borrower.

1Payment Example: $17.66 per month per $1,000 borrowed at 2.29% for 60 months.

 

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