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Loan Rates

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Loan Rates

New & Used Vehicles
Effective Date: Tuesday, February 7th, 2023
Maximum TermCredit ScoreInterest 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 TermCredit ScoreInterest 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 TermCredit ScoreInterest 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
APRMaximum Term
4.00% MAX TERM 36 MONTHS
4.75% MAX TERM 60 MONTHS

Share Certificate Secured Loans
Effective Date: Tuesday, February 7th, 2023
APRTerm
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 TermCredit ScoreInterest 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 TermCredit ScoreInterest Rate and APR
Visa Platinum & Secured Credit Card
Revolving 750+ 11.90%
  675-749 13.90%
  674- 16.90%