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Loan Rates

Auto Loans 100% Financing1
Published rate is the lowest offered. Interest rates are based on members credit history.
Year Term Annual Percentage Rate (APR)
as low as
New 2022 2 Yrs 5.00%
New 2022 3 Yrs 5.00%
2017 or Newer up to 5 Yrs 5.50%
2017 or Newer 6 Yrs 5.75%
2016 up to 5 Yrs 5.75%
2015-2014 up to 4 Yrs 6.75%
2013-2012 up to 3 Yrs 8.00%
2011 and Older up to 3 Yrs 9.00%
MOTORCYCLE Loans2
Published rate is the lowest offered. Interest rates are based on members credit history.
Year Term Annual Percentage Rate (APR)
as low as
2017 or Newer up to 5 Yrs 6.00%
2016 up to 5 Yrs 10.00%
2015-2014 up to 4 Yrs 10.00%
2013-2012 up to 3 Yrs 10.00%
2011 and Older up to 3 Yrs 10.00%
BOATS & RV's3
Published rate is the lowest offered. Interest rates are based on members credit history.
Year Term Annual Percentage Rate (APR)
as low as
2012 or Newer 5 Yrs 7.50%
  10 Yrs 8.50%
  15 Yrs 9.50%
Published rate is the lowest offered. Interest rates are based on members credit history.
MOBILE HOMES4
Term Annual Percentage Rate (APR)
as low as
5 Yrs 7.50%
10 Yrs 8.50%
15 Yrs 9.50%
Published rate is the lowest offered. Interest rates are based on members credit history. ($10,000 Max. Ind. $15,000 Max. Joint)
PERSONAL Loans5
Term Annual Percentage Rate (APR)
as low as
1 Yr 9.90%
3 Yrs 9.90%
5 Yrs 9.90%
HOME EQUITY FIXED 2nd MORTGAGE6
80% LTV Minimum Loan Amount is $10,000.
Term Annual Percentage Rate (APR)
5 Yrs 5.50%
10 Yrs 6.50%
15 Yrs 7.50%
HOME EQUITY LINE OF CREDIT 80% LTV7
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.
SECURED8
Published rate is the lowest offered.
100% Financing! Term Annual Percentage Rate (APR)
as low as
SHARE SECURED up to 5 Yrs 5.00%
CERTIFICATE SECURED up to 5 Yrs 4.00% above CD Rate

Payment Examples

1Auto Loans
Published rate is the lowest offered. Interest rates are based on members credit history.
Term Principal APR Monthly Payment
2 year $10,000 5.00% $438.74
3 year $10,000 5.00% $299.73
4 year $10,000 5.50% $232.59
5 year $10,000 5.50% $191.04
6 year $10,000 5.75% $164.58
5 year $10,000 5.75% $192.19
4 year $10,000 6.75% $238.34
3 year $10,000 8.00% $313.40
3 year $10,000 9.00% $318.04
2Motorcycle Loan
Published rate is the lowest offered. Interest rates are based on members credit history.
Term Principal APR Monthly Payment
5 year $10,000 6.00% $193.35
5 year $10,000 10.00% $212.51
4 year $10,000 10.00% $253.67
3 year $10,000 10.00% $322.72
3 year $10,000 10.00% $322.72
3Boat & RV Loan
Published rate is the lowest offered. Interest rates are based on members credit history.
Term Principal APR Monthly Payment
5 year $10,000 7.50% $200.41
10 year $10,000 8.50% $124.02
15 year $10,000 9.50% $104.47
4Mobile Home Loan
Published rate is the lowest offered. Interest rates are based on members credit history.
Term Principal APR Monthly Payment
5 year $10,000 7.50% $200.41
10 year $10,000 8.50% $124.02
15 year $10,000 9.50% $104.47
5Personal Loans
Published rate is the lowest offered. Interest rates are based on members credit history.
Term Principal APR Monthly Payment
1 year $10,000 9.90% $878.69
3 year $10,000 9.90% $322.25
5 year $10,000 9.90% $212.02
6Home Equity Fixed 2nd Mortgage
Term Principal APR Monthly Payment
5 year $10,000 5.50% $191.04
10 year $10,000 6.50% $113.58
15 year $10,000 7.50% $92.74

If a home equity fixed 2nd mortgage is closed out within 1 year, all closing costs will be billed to the member.

7Home 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.
8Share Secured
Term Principal APR Monthly Payment
5 year $10,000 5.00% $188.73
8Certificate Secured
Term Principal APR Monthly Payment
5 year $10,000 4.30% $185.54