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Loan Rates

Effective February 5, 2021

Vehicle Loans

New Cars, Trucks, & Vans**

Model Year	Loan Type	Term	APR ⁽¹⁾as low as
2020 - 2021	Fixed	Up to 36 months	2.14%
2020 - 2021	Fixed	Up to 48 months	2.74%
2020 - 2021	Fixed	Up to 60 months	2.89%
2020 - 2021	Fixed	Up to 72 months	2.99%
2020 - 2021	Fixed	Up to 84 months	4.49%

Example payment: The estimated monthly payment for a $20,000 new auto loan with a 60 month term at a rate of 2.89% APR is $358.42.

Used Cars, Trucks, & Vans**

Model Year	Loan Type	Term	APR (1) as low as
2015 - 2019	Fixed	Up to 36 months	2.99%
2015 - 2019	Fixed	Up to 48 months	3.74%
2015 - 2019	Fixed	Up to 60 months	3.89%
2015 - 2019	Fixed	Up to 72 months	3.99%
2017 - 2019	Fixed	Up to 84 months	5.49%

Example payment: The estimated monthly payment for a $20,000 used auto loan with a 60 month term at a rate of 3.89% APR is $367.37.

Older Used Cars, Trucks, & Vans***

Model Year	Loan Type	Term	APR ⁽¹⁾as low as
2012-2014	Fixed	Up to 60 months	6.50%

Example payment: The estimated monthly payment for a $20,000 older used auto loan with a 60 month term at a rate of 6.50% APR is $391.37.

Personal Loan

Loan Type	Maximum Term	APR ⁽¹⁾as low as
Fixed	up to 12 months	6.49%
Fixed	up to 24 months	6.49%
Fixed	up to 36 months	6.49%
Fixed	up to 48 months	6.49%
Fixed	up to 60 months	6.49%

Example payment: The estimated monthly payment for a $1,000 personal loan with a 12 month term at a rate of 6.49% APR is $86.30.

Share Secured Loan

Loan Type	Maximum Term	APR⁽⁷⁾
Fixed	Up to 12 years	Base Share Rate + 3.00%*

Certificate Secured Loan

Loan Type	Maximum Term	APR⁽⁷⁾
Fixed	Up to Maturity of Certificate	Certificate Dividend Rate + 3.00%

No Closing Cost Home Equity Loan

Loan Type	Term	Maximum LTV	APR ^(1)(2)(3)as low as
Fixed	Up to 60 months	up to 80% 80.01 - 85% 85.01%-90%	4.24% 5.49% 5.99%
Fixed	Up to 84 months	up to 80% 80.01 - 85% 85.01%-90%	4.74% 5.99% 6.49%
Fixed	Up to 120 months	up to 80% 80.01 - 85% 85.01%-90%	4.74% 5.99% 6.49%
Fixed	Up to 180 months	up to 80% 80.01 - 85% 85.01%-90%	5.49% 6.24% 6.99%
Fixed	Up to 240 months	up to 80% 80.01 - 85% 85.01%-90%	5.74% 6.74% 7.24%

Example payment: The estimated monthly payment for a $20,000 home equity loan, up to 80% LTV with a 120 month term at a rate of 4.74% APR is $209.64.

No Closing Cost Home Equity Line-of-Credit

Loan Type	Maximum LTV	Maximum Term	APR ^(1)(2)(3)as low as
Variable	up to 80%	180 months	3.25% (Prime)
Variable	80.01% to 90%	180 months	4.25% (Prime + 1.00%)

First Mortgage

through partnership with CUMA⁽¹⁾⁽³⁾

Loan Type	Maximum Term	Current Rates
Fixed	15 years - 30 years	Current Rates
Variable	3/1 ARM	Current Rates
Variable	5/1 ARM	Current Rates
Variable	7/1 ARM	Current Rates

Boats & Recreational Vehicles - New & Used

Loan Type	Maximum Term	APR⁽¹⁾as low as
Fixed	Up to 84 months	3.00% + current vehicle rate
Fixed	85 months to 120 months	9.24%

Example payments:

The estimated monthly payment for a $20,000 new boat & recreational loan with a 60 month term at a rate of 5.89% is $385.68.

The estimated monthly payment for a $20,000 used boat & recreational loan with a 60 month term at a rate of 6.89% is $395.04.

LifeLine of Credit

Loan Type	Maximum Term	APR ⁽¹⁾⁽²⁾as low as
Variable	Revolving	10.25% (Prime + 7.00%)

VISA Credit Card

Loan Type	Annual Fee	APR⁽¹⁾
VISA^® Platinum with rebates⁽¹⁾⁽⁵⁾	None	12.65%
VISA^® Platinum no rebates^(1)(2)(5)	None	as low as 9.25% (Prime + 6.00%)
VISA^® Classic⁽¹⁾⁽⁵⁾	None	14.65%
VISA^® Secured⁽¹⁾⁽⁶⁾	$25.00	14.65%

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