| New & Used Vehicles |
| Effective Date: Wednesday, July 2nd, 2025 |
| Maximum Term | Credit Score | Rate with 0% Down |
| New & Used Vehicle |
| Term Based on Loan Amount - Up to 84 Months |
800+ |
4.75% |
| |
750-799 |
4.75% |
| |
700-749 |
5.75% |
| |
650-699 |
6.75% |
| |
649- |
7.75% |
| Smart Start Auto Loan Program |
| Effective Date: Wednesday, July 2nd, 2025 |
| Maximum Term | Credit Score | Interest Rate and APR |
| Up to 48 Months (4 Years) |
N/A |
9.00% |
| 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: Wednesday, July 2nd, 2025 |
| Maximum Term | Credit Score | Rate with 0% Down |
| An Adventure Loan includes Motorcycles, Snowmobiles, ATVs, UTVs, Jet Skis, Small Watercraft, Boats, RVs & Other Secured |
| Adventure Loan |
| Term Based on Loan Amount - Max Term of 180 Months |
800+ |
7.50% |
| |
750-799 |
8.00% |
| |
700-749 |
8.50% |
| |
650-699 |
9.50% |
| |
649- |
11.00% |
| Share Savings Secured Loans |
| Effective Date: Wednesday, July 2nd, 2025 |
| APR | Maximum Term |
| 4.00% |
MAX TERM 120 MONTHS (10 YEARS) |
| Minimum age requirement is 12 years old (with qualified co-borrower of legal age) |
| Share Certificate Secured Loans |
| Effective Date: Wednesday, July 2nd, 2025 |
| 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: Wednesday, July 2nd, 2025 |
| Maximum Term | Credit Score | Interest Rate and APR |
| Unsecured - Closed End Loan |
| Up to 48 Months (4 years) |
800+ |
10.50% |
| |
750-799 |
12.50% |
| |
700-749 |
13.50% |
| |
650-699 |
14.50% |
| |
649- |
17.50% |
| Credit Builder Loan |
| Effective Date: Wednesday, July 2nd, 2025 |
| Maximum Term | Amount | Interest Rate and APR |
| Up to 24 Months |
$2,400 |
12.50% |
| Credit Cards |
| Effective Date: Wednesday, July 2nd, 2025 |
| Maximum Term | Credit Score | Interest Rate and APR |
| Visa Platinum Credit Card |
| Revolving |
800+ |
9.90% |
| |
750-799 |
11.90% |
| |
700-749 |
12.90% |
| |
650-699 |
13.90% |
| |
649- |
16.90% |
| Visa Secured Credit Card |
| Revolving |
N/A |
9.90% |
| Minimum age requirement is 12 years old (with qualified co-borrower of legal age) |
