Rates

Accounts / Rates Loans / Rates Services/Fees Calculators

Effective as of: 04/01/2025
Loans and Rates
The Annual Percentage Rates (APR), corresponding daily rates, amount, and due date of payments for each loan sub-account are shown below. If there is no payment schedule, the amount and due date of payments will be determined at the time of each advance and disclosed on the Advance Request Voucher. Other charges that may be imposed are also shown below (i.e., late charges, filing fees, collection costs).
Terms and Conditions may Apply - Based on Year, Make, Model and Value
APR Rates do not include the Loan Processing Fee of $50.00. Filing Fee: $22 (secured loans only); Late Payment Fee: $20 (after five-day grace period); EZ Loan Application Fee: $20; Gap Insurance: Starting at $575 (offered on most secured loans)
Borrower must maintain $250 minimum in their share draft balance during the life of the loan.
Risk Rate C are limited to $25,000 New or Used Vehicle Purchases
Risk Rate D are Limited to $20,000 New or Used Vehicle Purchases
Credit ScoreCredit Score GradeRate StructureSignature Credit LimitAuto/Motorcycle Credit Limit
720 or higherA plusBase Rate - .50%Up to $15,000
680 – 719ABase Rateto $10,000
640 – 679BBase Rate plus 3.00%Up to $7,500
600 – 639CBase Rate plus 7.00%Up to $4,000Up to $25,000
Less than 599DBase Rate plus 10.00%Up to $2,500Up to $20,000
 
Loan TypeLoan to ValueDaily Periodic RateAnnual Percentage Base Rate
SIGNATURE/CO-SIGNER.0274%10.00% APR Base Rate
SIGNATURE LOAN SPECIALNot Rate Priced.0192%7% APR
EZ LOAN (Up to $1,000, $20 Application Fee)Not Rate Priced.0767%24.00% APR
SHARE SECURED LOAN ($22 filing fee)Not Rate Priced.0096%3.50% APR
NEW AUTO/MOTORCYCLE (Credit Grade C limit $25,000 and Credit Grade D limit $20,000)
Up to 60 Months100% Financing.0144%5.24% APR Base Rate
Up to 84 Months 100% Financing.0171%6.24% APR Base Rate
USED AUTO/MOTORCYCLE (Terms based on Make/Model/Year; Credit Grade C limited to $25,000 and Credit Grade D limited to $20,000)
* 2015 - 2025100% NADA Retail.0144%5.24% APR Base Rate for 60 Months
100% NADA Retail.0171%6.24% APR Base Rate for 61–84 Months
* 2014 and older80% NADA Retail.0144%5.24% APR Base Rate for 60 Months Only
DEBT RESTRUCTURE (Used Vehicle Loan; no cash out)Up to 125% NADA Retail.0171%6.24% APR Base Rate
NEW BOAT/RV/CAMPER/ATV (Loan term based on the value)100%
$10,000 or Less up to 60 Months (A plus–D).0171%6.24% APR Base Rate
$10,001 to $15,000 up to 60 Months (A plus–C).0171%6.24% APR Base Rate
$10,001 to $15,000 up to 84 Months (A plus–C).0192%6.99% APR Base Rate
$15,001 and Over up to 60 Months (A plus–B).0171%6.24% APR Base Rate
$15,001 and Over for 61–84 Months (A plus–B).0192%6.99% APR Base Rate
$15,001 and Over for 85 to 120 Months (A plus–B).0212%7.74% APR Base Rate
USED BOAT/RV/CAMPER/ATV (Loan term based on the value; Borrowing amount based on % of NADA Retail)
$10,000 or Less up to 60 Months (A plus–D).0198%7.24% APR Base Rate
$10,001 to $15,000 up to 60 (A plus–C).0198%7.24% APR Base Rate
$10,001 to $15,000 up to 84 Months (A plus–C).0219%7.99% APR Base Rate
$15,001 and Over up to 60 Months (A plus–B).0198%7.24% APR Base Rate
$15,001 and Over for 61 to 84 Months (A plus–B).0219%7.99% APR Base Rate
$15,001 and Over for 85 to 120 Months (A plus–B).0239%8.74% APR Base Rate