New & Used Vehicles |
Effective Date: Wednesday, May 31st, 2023 |
Maximum Term | Credit Score | Interest Rate and APR |
New & Used Vehicle |
48 Months (4 Years) |
750+ |
5.50% |
|
675-749 |
6.50% |
|
674- |
9.50% |
New & Used Vehicle |
60 Months (5 years) |
750+ |
6.00% |
|
675-749 |
7.00% |
|
674- |
10.00% |
New & Used Vehicle |
72 Months (6 years) |
750+ |
6.50% |
|
675-749 |
7.50% |
|
674- |
10.50% |
New & Used Vehicle |
84 Months (7 years) |
750+ |
7.50% |
|
675-749 |
8.50% |
|
674- |
11.50% |
New & Used Vehicle |
96 Months (8 years) |
750+ |
8.50% |
|
675-749 |
9.50% |
|
674- |
12.50% |
Save .50% off the posted rate with a 20% down payment. Trade in equity qualifies as down payment. |
High LTV Loans |
Effective Date: Wednesday, May 31st, 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: Wednesday, May 31st, 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: Wednesday, May 31st, 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 |
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% |
Save .50% off the posted rate with a 20% down payment. Trade in equity qualifies as down payment. |
Share Savings Secured Loans |
Effective Date: Wednesday, May 31st, 2023 |
APR | Maximum Term |
4.00% |
MAX TERM 36 MONTHS |
4.75% |
MAX TERM 60 MONTHS |
Share Certificate Secured Loans |
Effective Date: Wednesday, May 31st, 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: Wednesday, May 31st, 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: Wednesday, May 31st, 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% |