Rates
Accounts / Rates Loans / Rates Services/Fees Calculators
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 Score | Credit Score Grade | Rate Structure | Signature Credit Limit | Auto/Motorcycle Credit Limit |
720 or higher | A plus | Base Rate - .50% | Up to $15,000 | |
680 – 719 | A | Base Rate | to $10,000 | |
640 – 679 | B | Base Rate plus 3.00% | Up to $7,500 | |
600 – 639 | C | Base Rate plus 7.00% | Up to $4,000 | Up to $25,000 |
Less than 599 | D | Base Rate plus 10.00% | Up to $2,500 | Up to $20,000 |
Loan Type | Loan to Value | Daily Periodic Rate | Annual Percentage Base Rate | |
SIGNATURE/CO-SIGNER | .0274% | 10.00% APR Base Rate | ||
SIGNATURE LOAN SPECIAL | Not 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 Months | 100% 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 - 2025 | 100% 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 older | 80% 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 |