Loan Rates

Auto Loans
100% Financing!
Published rate is the lowest offered. Interest rates are based on members credit history.		 Term Annual Percentage Rate (APR)
as low as
New 2021 2 Yrs 2.50%
New 2021 3 Yrs 2.50%
2016 or Newer up to 5 Yrs 2.75%
2016 or Newer 6 Yrs 3.00%
2015 up to 5 Yrs 4.50%
2014-2013 up to 4 Yrs 5.50%
2012-2011 up to 3 Yrs 7.00%
2010 and Older up to 3 Yrs 8.00%
MOTORCYCLE Loans
Published rate is the lowest offered. Interest rates are based on members credit history. Term Annual Percentage Rate (APR)
as low as
2016 or Newer up to 5 Yrs 5.00%
2015 up to 5 Yrs 9.00%
2014-2013 up to 4 Yrs 9.00%
2012-2011 up to 3 Yrs 9.00%
2010 and Older up to 3 Yrs 10.00%
BOATS & RV's*
Published rate is the lowest offered. Interest rates are based on members credit history. Term Annual Percentage Rate (APR)
as low as
2011 or Newer 5 Yrs 6.50%
  10 Yrs 7.50%
  15 Yrs 8.50%
MOBILE HOMES*
Published rate is the lowest offered. Interest rates are based on members credit history. Term Annual Percentage Rate (APR)
as low as
  5 Yrs 6.50%
  10 Yrs 7.50%
  15 Yrs 8.50%
PERSONAL Loans
Published rate is the lowest offered. Interest rates are based on members credit history. Term Annual Percentage Rate (APR)
as low as
($10,000 Max. Ind. $15,000 Max. Joint)**
  1 Yr 8.90%
  3 Yrs 8.90%
  5 Yrs 8.90%
HOME EQUITY FIXED 2nd MORTGAGE
Published rate is the lowest offered. Interest rates are based on members credit history. Term Annual Percentage Rate (APR)
as low as
80% LTV*** Minimum Loan Amount is $10,000.
  5 Yrs 4.25%
  10 Yrs 4.75%
  15 Yrs 5.50%
HOME EQUITY LINE OF CREDIT 80% LTV****
Annual Percentage Rate is the Prime Rate as published in the Wall Street Journal the last business day of each month. This is a Variable Rate Loan and as such the annual percentage rate and the minimum monthly payment can change. The minimum yearly interest rate that can be charged is 4.50% and the maximum yearly interest rate that can be charged is 18%. There is a 10-year draw and a 15-year payback term.
SECURED*****
100% Financing!
Published rate is the lowest offered. Interest rates are based on members credit history.		 Term Annual Percentage Rate (APR)
as low as
SHARE SECURED up to 5 Yrs 4.00%
CERTIFICATE SECURED****** up to 5 Yrs 3% above CD Rate
*Note: Payment examples
Auto Loan
Published rate is the lowest offered. Interest rates are based on members credit history.
2 year term $10,000 principal 2.50%apr monthly payment $427.60
3 year term $10,000 principal 2.50%apr monthly payment $288.61
4 year term $10,000 principal 2.75%apr monthly payment $220.24
5 year term $10,000 principal 2.75%apr monthly payment $178.58
6 year term $20,000 principal 3.00%apr monthly payment $303.88
5 year term $10,000 principal 4.50%apr monthly payment $186.43
4 year term $10,000 principal 5.50%apr monthly payment $232.56
3 year term $10,000 principal 7.00%apr monthly payment $308.75
3 year term $10,000 principal 8.00%apr monthly payment $313.34
Motorcycle Loan
Published rate is the lowest offered. Interest rates are based on members credit history.
5 year term $10,000 principal 5.00%apr monthly payment $188.71
5 year term $10,000 principal 9.00%apr monthly payment $207.58
4 year term $10,000 principal 9.00%apr monthly payment $248.84
3 year term $10,000 principal 9.00%apr monthly payment $317.97
3 year term $10,000 principal 10.00%apr monthly payment $322.64
Boat & RV Loan
5 year term $10,000 principal 6.50%apr monthly payment $195.67
10 year term $10,000 principal 7.50%apr monthly payment $118.73
15 year term $10,000 principal 8.50%apr monthly payment $98.51
Mobile Home Loan
5 year term $10,000 principal 6.50%apr monthly payment $195.67
10 year term $10,000 principal 7.50%apr monthly payment $118.73
15 year term $10,000 principal 8.50%apr monthly payment $98.51
**Note: Payment examples
Personal Loan
Published rate is the lowest offered. Interest rates are based on members credit history
1 year term $10,000 principal 8.90%apr monthly payment $873.96
3 year term $10,000 principal 8.90%apr monthly payment $317.50
5 year term $10,000 principal 8.90%apr monthly payment $207.09
*** Note: Payment examples
Home Equity Fixed 2nd Mortgage
5 year term $10,000 principal 4.25%apr monthly payment $185.32
10 year term $10,000 principal 4.75%apr monthly payment $104.87
15 year term $10,000 principal 5.50%apr monthly payment $81.74
If a home equity loan is closed out within 1 year, all closing costs will be billed to the member.
****Note:
Home Equity Line of Credit
If a home equity line of credit is closed out within 1 year, all closing costs will be billed to the member.
***** Note: Payment examples
Share Secured
5 year term $10,000 principal 4.00%apr monthly payment $184.18
****** Note: Payment examples
Certificate Secured
5 year term $10,000 principal 7.30%apr monthly payment $199.47