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Loan Rates

Effective March 25, 2020

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Vehicle Loans

New Cars, Trucks, & Vans**

Model Year Loan Type Term APR (1) as low as
2019 - 2020 Fixed Up to 36 months 2.49% 
2019 - 2020 Fixed Up to 48 months 2.99% 
2019 - 2020 Fixed Up to 60 months 3.49% 
2019 - 2020 Fixed Up to 72 months 3.99%
2019 - 2020 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 3.49% APR is $363.76.

Used Cars, Trucks, & Vans**

Model Year Loan Type Term APR (1) as low as
2014 - 2018 Fixed Up to 36 months 3.49% 
2014 - 2018 Fixed Up to 48 months 3.99% 
2014 - 2018 Fixed Up to 60 months 4.04% 
2014 - 2018 Fixed Up to 72 months 4.49%
2016 - 2018 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 4.04% APR is $368.37.

Older Used Cars, Trucks, & Vans***

Model Year Loan Type Term APR (1) as low as
2011-2013 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%

4.49%
5.49%
5.99%

 
Fixed

 
Up to 84 months

up to 80%
80.01 - 85%
85.01%-90%

4.99%
5.99%
6.49%

 
Fixed

 
Up to 120 months

up to 80%
80.01 - 85%
85.01%-90%

4.99%
5.99%
6.49%

 
Fixed

 
Up to 180 months

up to 80%
80.01 - 85%
85.01%-90%

5.74%
6.24%
6.99%

 
Fixed

 
Up to 240 months

up to 80%
80.01 - 85%
85.01%-90%

5.99%
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 4.99% APR is $212.08.

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 6.49% is $391.25.

The estimated monthly payment for a $20,000  used boat & recreational loan with a 60 month term at a rate of 7.24% is $398.34.

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%