| New & Used Vehicles |
| Effective Date: Tuesday, February 7th, 2023 |
| Maximum Term | Credit Score | Interest Rate and APR |
| New & Used Vehicle |
| 60 Months (5 years) |
750+ |
5.50% |
| |
675-749 |
6.50% |
| |
674- |
9.50% |
| New & Used Vehicle |
| 72 Months (6 years) |
750+ |
6.00% |
| |
675-749 |
7.00% |
| |
674- |
10.00% |
| New & Used Vehicle |
| 84 Months (7 years) |
750+ |
6.50% |
| |
675-749 |
7.50% |
| |
674- |
10.50% |
| New & Used Vehicle |
| 96 Months (8 years) |
750+ |
7.00% |
| |
675-749 |
8.00% |
| |
674- |
11.00% |
| High LTV Loans |
| Effective Date: Tuesday, February 7th, 2023 |
| |
- Some members may qualify for an auto loan for over the book value based on the following criteria
- Minimum credit score of 675
- Max LTV 125% - Not including GAP or Warranty
|
| Smart Start Auto Loan Program |
| Effective Date: Tuesday, February 7th, 2023 |
| Maximum Term | Credit Score | Interest Rate and APR |
| 48 Months (4 Years) |
N/A |
9.50% |
| No co-signer is required if criteria is met: maximum loan amount $15,000, 20% down required (based on the purchase price plus tax and title fees), and must be a member for at least 2 years. |
| Adventure Loans |
| Effective Date: Tuesday, February 7th, 2023 |
| Maximum Term | Credit Score | Interest Rate and APR |
| An Adventure Loan includes Motorcycles, Snowmobiles, ATVs, UTVs, Jet Skis, Small Watercraft, Boats, RVs & Other Secured |
| Adventure Loan |
| 60 Months (5 years) |
750+ |
6.50% |
| |
675-749 |
7.50% |
| |
674- |
10.50% |
| Adventure Loan |
| 72 Months (6 years) |
750+ |
7.00% |
| |
675-749 |
8.00% |
| |
674- |
11.00% |
| Adventure Loan |
| 84 Months (7 years) |
750+ |
7.50% |
| |
675-749 |
8.50% |
| |
674- |
11.50% |
| Adventure Loan |
| 96 Months (8 years) |
750+ |
8.00% |
| |
675-749 |
9.00% |
| |
674- |
12.00% |
| Adventure Loan |
| 120 Months (10 years) |
750+ |
8.50% |
| |
675-749 |
9.50% |
| |
674- |
12.50% |
| Adventure Loan |
| 180 Months (15 years) |
750+ |
9.00% |
| |
675-749 |
10.00% |
| |
674- |
13.00% |
| Share Savings Secured Loans |
| Effective Date: Tuesday, February 7th, 2023 |
| APR | Maximum Term |
| 4.00% |
MAX TERM 36 MONTHS |
| 4.75% |
MAX TERM 60 MONTHS |
| Share Certificate Secured Loans |
| Effective Date: Tuesday, February 7th, 2023 |
| APR | Term |
| CD Rate +3% |
Minimum 12 Months |
| Loans secured by CD's must not have a contract term that exceeds CD term. |
| Unsecured Loans |
| Effective Date: Tuesday, February 7th, 2023 |
| Maximum Term | Credit Score | Interest Rate and APR |
| Unsecured - Closed End Loan |
| 48 Months (4 years) |
750+ |
12.50% |
| |
675-749 |
14.50% |
| |
674- |
17.50% |
| Credit Cards |
| Effective Date: Tuesday, February 7th, 2023 |
| Maximum Term | Credit Score | Interest Rate and APR |
| Visa Platinum & Secured Credit Card |
| Revolving |
750+ |
11.90% |
| |
675-749 |
13.90% |
| |
674- |
16.90% |
