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Loan Rates

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Loan Rates

New & Used Vehicles
Effective Date: Monday, September 26th, 2022
Maximum TermCredit ScoreInterest Rate and APR
New & Used Vehicle
60 Months (5 years) 750+ 4.25%
  675-749 6.25%
  674- 9.25%
New & Used Vehicle
72 Months (6 years) 750+ 4.75%
  675-749 6.75%
  674- 9.75%
New & Used Vehicle
84 Months (7 years) 750+ 5.25%
  675-749 7.25%
  674- 10.25%

High LTV Loans
Effective Date: Monday, September 26th, 2022
  • 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: Monday, September 26th, 2022
Maximum TermCredit ScoreInterest Rate and APR
48 Months (4 Years) N/A 8.50%
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: Monday, September 26th, 2022
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+ 4.75%
  675-749 6.75%
  674- 9.75%
Adventure Loan
72 Months (6 years) 750+ 5.25%
  675-749 7.25%
  674- 10.25%
Adventure Loan
84 Months (7 years) 750+ 5.75%
  675-749 7.75%
  674- 10.75%
Adventure Loan
120 Months (10 years) 750+ 6.00%
  675-749 8.00%
  674- 11.00%
Adventure Loan
180 Months (15 years) 750+ 6.25%
  675-749 8.25%
  674- 11.25%

Share Savings Secured Loans
Effective Date: Monday, September 26th, 2022
Interest RateAPRMaximum Term
3.25% 3.25% MAX TERM 36 MONTHS
4.50% 4.50% MAX TERM 60 MONTHS

Share Certificate Secured Loans
Effective Date: Monday, September 26th, 2022
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: Monday, September 26th, 2022
Maximum TermCredit ScoreInterest Rate and APR
Unsecured - Closed End Loan
48 Months (4 years) 750+ 9.00%
  675-749 13.00%
  674- 15.00%

Credit Cards
Effective Date: Monday, September 26th, 2022
Maximum TermCredit ScoreInterest Rate and APR
Visa Platinum & Secured Credit Card
Revolving 750+ 7.90%
  675-749 11.90%
  674- 13.90%