Rates

Accounts / Rates Loans / Rates Services/Fees Calculators

Effective as of: 11/01/2024
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 following processing fees: 1) Loan Processing Fee $50.00
 
INTEREST RATE PRICING TIERS (Based upon Credit Bureau Score)
Credit ScoreCredit Union GradeRate StructureSignature Credit Limit
720 or higherA PlusBase Rate - .50%Up to 15,000
680 – 719ABase Rateto 10,000
640 – 679BBase Rate 3.00%Up to 7,500
600 – 639CBase Rate 7.00%Up to 4,000
Less than 599DBase Rate 10.00%Up to 2,500
 
SIGNATURE LOAN
10.00% APR Base Rate
 
SIGNATURE LOAN SPECIAL
7.0% APR
 
EZ LOAN - up to $1,000
$20 Application Fee6 Months Term24.00% APR
 
SHARE SECURED LOAN
3.50% APR
 
NEW AUTO/MOTORCYCLE LOANS
Up to 60 Months100% Financing5.24% APR Base Rate
Up to 84 Months 100% Financing6.24% APR Base Rate
 
USED AUTO/MOTORCYCLE LOANS Terms based on Make/Model/Year
* 2014 - 2024100% NADA Retail5.24% APR Base Rate / 60 Months6.24% APR Base Rate / 84 Months
* 2013 and older80% NADA Retail5.24% APR Base Rate / 60 Months
 
NEW BOAT/RV/CAMPER/ATV
* Less Than 10,000Up to 60 Months(A plus - D)6.24% APR Base Rate
* 10,000 < 15,000Up to 84 Months(A plus - C)6.99% APR Base Rate
* Over 15,000Up to 120 Months(A plus - A)7.74% APR Base Rate
 
USED BOAT/RV/CAMPER/ATV Terms based on Make/Model/Year *Borrowing Amount Based on % of NADA Retail
* Less Than 10,000Up to 60 Months(A plus - D)7.24% APR Base Rate
* 10,000 < 15,000Up to 84 Months(A plus - C)7.99% APR Base Rate
* Over 15,000Up to 120 Months(A plus - A)8.74% APR Base Rate