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Loan Rates

Loan TypeMaximum AmountAPR* as low asTerm
Personal Loans Up to $15,000 per household 7.50% Up to 24 months
Up to $15,000 per household 8.00% 25 to 36 months
Up to $15,000 per household 8.50% 37 to 60 months
Credit Card LoansMaximum AmountBase APR*Term
VISA Platinum (No Rewards)   7.99% Revolving
VISA Platinum (Rewards)   9.99% Revolving
Secured VISA $2,500 17.99% Revolving
AutosMaximum AmountAPR* as low asTerm
New Autos
Up to 135% MSRP 3.69% Up to 48 months
Up to 135% MSRP 3.79% 49-60 months
Up to 135% MSRP 3.99% 61-72 months
Up to 135% MSRP 4.29% 73-84 months
Used Autos
Up to 135% Retail Kelley Blue Book 3.69% Up to 48 months
Up to 135% Retail Kelley Blue Book 3.79% 49-60 months
Up to 135% Retail Kelley Blue Book 3.99% 61-72 months
Up to 135% Retail Kelley Blue Book 4.29% 73-84 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
Prime + 0.50% [71 - 80% LTV] Open-End
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 4.99% up to 48 months
Up to 125% MSRP 5.99% 49 - 72 months

Effective date: 9/7/18. 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.

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