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Loan Rates

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Loan Rates

New & Used Vehicles
Effective Date: Saturday, April 10th, 2021
Maximum TermCredit ScoreInterest Rate and APR
2019 & Newer
84 Months (7 years) 750+ 3.50%
  700-749 3.50%
  675-699 3.50%
  674 - N/A
2018 & Newer
72 Months (6 years) 750+ 3.25%
  700-749 3.25%
  675-699 3.25%
  650-674 6.25%
  649 - 7.25%
2015 & Newer
60 Months (5 years) 750+ 2.25%
  700-749 2.25%
  675-699 2.25%
  650-674 6.00%
  649- 7.00%
2015 & Newer
48 Months (4 years) 750+ 2.25%
  700-749 2.25%
  675-699 2.25%
  650-674 5.75%
  649 - 6.75%
2014 & Older
48 Months (4 years) 750+ 2.25%
  700-749 2.25%
  675-699 2.25%
  650-674 7.00%
  649 - 8.00%
2014 & Older
36 Months (3 years) 750+ 2.25%
  700-749 2.25%
  675-699 2.25%
  650-674 6.50%
  649 - 7.50%

High LTV Loans
Effective Date: Saturday, April 10th, 2021
  • Some members may qualify for an auto loan for over the book value based on the following criteria
     
  • Minimum credit score of 700
     
  • Max DTI 35%
     
  • Max LTV 125% - Not including GAP or Warranty
     
  • Term may be shorter due to mileage

Fresh Start Auto Loan Program
Effective Date: Saturday, April 10th, 2021
Maximum TermCredit ScoreInterest Rate and APR
$9,001 or Above - 4 Years N/A 10.00%
$6,001 to $9,000 - 3 Years N/A 10.00%
$3,001 to $6,000 - 2 Years N/A 10.00%
$3,000 or Below - 1 Year N/A 10.00%
Fresh Start Program is for Members Who Do Not Qualify for Our Regular Loan Program per Policy but Show Other Positive Factors

Smart Start Auto Loan Program
Effective Date: Saturday, April 10th, 2021
Maximum TermCredit ScoreInterest Rate and APR
48 Months (4 Years) N/A 8.00%

ATV & Other Secured
Effective Date: Saturday, April 10th, 2021
TermCredit ScoreInterest Rate and APR
ATV & Other Secured
2015 & Newer
84 Months (7 years) 750+ 4.99%
  700-749 4.99%
  675-699 4.99%
  650-674 8.50%
  649- 10.50%
ATV & Other Secured
2015 & Newer
60 Months (5 years) 750+ 3.99%
  700-749 3.99%
  675-699 3.99%
  650-674 7.50%
  649 - 9.50%
ATV & Other Secured
2014 & Older
60 Months (5 years) 750+ 3.99%
  700-749 3.99%
  675-699 3.99%
  650-674 8.50%
  649 - 10.50%
Terms based on vehicles with average mileage. The Credit Union may reduce term on higher mileage vehicles. Other circumstances such as excellent credit history, down payment or low mileage may warrant extension of term. Interest rates based on credit score at time of application. Applicants must meet underwriting guidelines to be approved. Loan amount must qualify for term.

Boat, Motor, Trailer, & Lift
Effective Date: Saturday, April 10th, 2021
Maximum TermCredit ScoreInterest Rate and APR
Boat, Motor, Trailer, & Lift
2016 & Newer
120 Months (10 years) 750+ 4.50%
  700-749 4.50%
  675-699 4.50%
  650-674 9.00%
  649- 11.00%
Boat, Motor, Trailer, & Lift
2015 & Newer
84 Months (7 years) 750+ 3.50%
  700-749 3.50%
  675-699 3.50%
  650-674 8.25%
  649- 10.25%
Boat, Motor, Trailer, & Lift
2015 & Newer
60 Months (5 years) 750+ 2.25%
  700-749 2.25%
  675-699 2.25%
  650-674 7.25%
  649 - 9.25%
Boat, Motor, Trailer, & Lift
2014 & Older
60 Months (5 years) 750+ 2.25%
  700-749 2.25%
  675-699 2.25%
  650-674 8.50%
  649 - 10.50%
Terms based on vehicles with average mileage. The Credit Union may reduce term on higher mileage vehicles. Other circumstances such as excellent credit history, down payment or low mileage may warrant extension of term. Interest rates based on credit score at time of application. Applicants must meet underwriting guidelines to be approved. Loan amount must qualify for term.

Motorcycles
Effective Date: Saturday, April 10th, 2021
Maximum TermCredit ScoreInterest Rate and APR
Motorcycles
2015 & Newer
84 Months (7 years) 750+ 3.50%
  700-749 3.50%
  675-699 3.50%
  650-674 8.00%
  649- 10.00%
Motorcycles
2015 & Newer
60 Months (5 years) 750+ 2.25%
  700-749 2.25%
  675-699 2.25%
  650-674 7.00%
  649 - 9.00%
Motorcycles
2014 & Older
48 Months (4 years) 750+ 2.25%
  700-749 2.25%
  675-699 2.25%
  650-674 8.00%
  649 - 10.00%
Terms based on vehicles with average mileage. The Credit Union may reduce term on higher mileage vehicles. Other circumstances such as excellent credit history, down payment or low mileage may warrant extension of term. Interest rates based on credit score at time of application. Applicants must meet underwriting guidelines to be approved. Loan amount must qualify for term.

RV
Effective Date: Saturday, April 10th, 2021
Maximum TermCredit ScoreInterest Rate and APR
RV
2016 & Newer
120 Months (10 years) 750+ 4.50%
  700-749 4.50%
  675-699 4.50%
  650-674 8.75%
  649- 10.75%
RV
2015 & Newer
84 Months (7 years) 750+ 3.50%
  700-749 3.50%
  675-699 3.50%
  650-674 8.50%
  649- 10.50%
RV
2015 & Newer
60 Months (5 years) 750+ 2.25%
  700-749 2.25%
  675-699 2.25%
  650-674 7.50%
  649 - 9.50%
RV
2014 & Older
60 Months (5 years) 750+ 2.25%
  700-749 2.25%
  675-699 2.25%
  650-674 8.50%
  649 - 10.50%
Terms based on vehicles with average mileage. The Credit Union may reduce term on higher mileage vehicles. Other circumstances such as excellent credit history, down payment or low mileage may warrant extension of term. Interest rates based on credit score at time of application. Applicants must meet underwriting guidelines to be approved. Loan amount must qualify for term.

Classic/Antique Auto Loans
Effective Date: Saturday, April 10th, 2021
Maximum TermCredit ScoreInterest Rate and APR
60 Months (5 years) 700+ 2.25%
  675-699 2.25%
  650-674 6.65%
  649 - 7.65%

Share Savings Secured Loans
Effective Date: Saturday, April 10th, 2021
Interest RateAPRMaximum Term
3.25% 3.25% MAX TERM 36 MONTHS
4.50% 4.50% MAX TERM 60 MONTHS
Loans secured by savings require a 3 year balloon.

Share Certificate Secured Loans
Effective Date: Saturday, April 10th, 2021
Interest RateAPRTerm
CD rate + 2% CD Rate +2% Minimum 12 Months
Loans secured by CD's must not have a contract term that exceeds CD term.

Unsecured Loans
Effective Date: Saturday, April 10th, 2021
Maximum TermCredit ScoreInterest Rate and APR
Unsecured - Closed End Loan
48 Months (4 years) 750+ 7.50%
  700-749 9.00%
  675-699 10.00%
  650-674 11.50%
  649 - 13.50%
Revolving Line of Credit Loan
60 Months (5 years) 750+*** 5.90%***
  700+ 8.90%
  675-699 10.90%
  650-674 13.90%
  649 - 15.90%
***The Revolving Line of Credit Rate of 5.90% MUST meet the following qualifications:
  • 750+ Credit Score
  • Must have a Savings & Checking with the Credit Union
  • Must have one additional loan with the Credit Union

Credit Cards
Effective Date: Saturday, April 10th, 2021
Maximum TermCredit ScoreInterest Rate and APR
Visa Platinum Credit Card
Revolving 700+ 7.90%
Visa Classic Credit Card
Revolving 675-699 9.90%
  674 - 12.90%
Visa Secured Credit Card
Revolving N/A 12.90%