Loan Rates
Effective Saturday, January 03, 2026
2016-2026 Model Years Automobile & Truck Loan
| Terms | APR (Rates* as low as) | Minimum Loan Balance |
|---|---|---|
| 36 Months | ||
| 48 Months | ||
| 60 Months | ||
| 72 Months | ||
| 84 Months | ||
| 96 Months |
*APR= Annual Percentage Rate. *Rates are “as low as” are based on applicant’s credit score and model year of vehicle. Other account requirements and conditions may apply. Rates are subject to change at any time. All loans are subject to approval and membership eligibility. For a $20,000 new car loan for a term of 60 months with a 4.74% APR, the monthly payment will be $375.05
2012-2026 Motorcycles, Boats, Motor Homes & Other Recreational
| Terms | ||
|---|---|---|
| 48 Months | ||
| 60 Months | ||
| 72 Months | ||
| 84 Months | ||
| 120 Months |
*APR= Annual Percentage Rate. *Rates are “as low as” are based on applicant’s credit score and model year of vehicle. Other account requirements and conditions may apply. Rates are subject to change at any time. All loans are subject to approval and membership eligibility. For a $35,000 new boat/RV loan for a term of 84 months with a 5.99% APR, the monthly payment will be $511.13
Used Vehicles 2015 & Older
| Terms | ||
|---|---|---|
| 36 Months | ||
| 48 Months | ||
| 60 Months |
*APR= Annual Percentage Rate. *Rates are “as low as” are based on applicant’s credit score and model year of vehicle. Other account requirements and conditions may apply. Rates are subject to change at any time. All loans are subject to approval and membership eligibility. For a $4,500 used vehicle loan for a term of 36 months with a 6.49% APR, the monthly payment will be $137.90
Unsecured - Closed End
| Terms | ||
|---|---|---|
| 36 Months | ||
| 48 Months | ||
| 60 Months |
*APR= Annual Percentage Rate. *Rates are “as low as” are based on applicant’s credit score and model year of vehicle. Other account requirements and conditions may apply. Rates are subject to change at any time. All loans are subject to approval and membership eligibility. For a $7,500 unsecured closed end loan for a term of 48 months with a 9.74% APR, the monthly payment will be $189.28
Premium Line of Credit
Get Peace of Mind and Protection from NSF’s.
| Loan Type | ||
|---|---|---|
| Premium Line of Credit |
*APR= Annual Percentage Rate. *Rates are “as low as” are based on applicant’s credit score. Other account requirements and conditions may apply. Rates are subject to change at any time. All loans are subject to approval and membership eligibility.
Home Equity Loan
Fixed Rates. Terms up to 180 months.
| Terms | ||
|---|---|---|
| Home Equity Fixed Rate 1 – 60 Months | ||
| Home Equity Fixed Rate 61 – 120 Months | ||
| Home Equity Fixed Rate 121 – 180 Months |
*Option for 90% LTV available.
| Terms | |
|---|---|
| 5×5 Adjustable (30 yr ARM – primary home) |
*Rates are Annual Percentage Rates. Rates subject to change without notice. The APR is the credit unions standard rate. The rate may vary depending on each individual’s credit history and underwriting factors. All loans are subject to approval and membership eligibility
| Terms | |
|---|---|
| HELOC |
*APR = Annual Percentage Rate. Home Equity Lines of Credit are variable-rate loans. Your APR is based on an index (such as the Wall Street Journal Prime Rate) plus a margin determined by your credit profile. Rates adjust quarterly. Your APR will never be less than 3.00% or greater than 18.00%. The plan includes a 7-year draw period followed by an 8-year repayment period. Maximum loan-to-value (LTV) is 80% (option for 90% available). Membership eligibility required. Equal Housing Lender. NMLS# 500296
