Loan Rates


New and Used Auto, Truck, Motorcycle, 4 Wheelers

Grades are a combination of FICO score and other conditions. A>700; B = 699-630; C = 629-580; D = 579-530; E = 529-0

Grade 6 - 24 months 25 - 47 months 48 - 59 months 60 - 71 months 72 - 84 months
A 3.99%* 4.74%* 5.24%* 5.74%* 6.24 - 6.99%*
B 6.99%* 7.74%* 8.24%* 8.74%* 9.24 - 9.99%*
C 9.99%* 10.99%* 11.99%* 12.99%* 13.99 - 15.99%*
D 15.99%* 16.99%* 17.74* 17.99* N/A

RV, Motor Homes, Campers, Boats

Financing of credit union products such as GAP, warranty, credit and/or disability may cause loan to go over max allowable for all A & B grades.

Grade/Months 6 - 24 25 - 36 37 - 48 49 - 60 61 - 72
A 5.74%* 6.24%* 6.74%* 7.24%* 7.99%*
B 8.24%* 8.74%* 9.24%* 10.24%* 11.24%*
C 11.24%* 11.74%* 12.24%* 13.24%* 15.24%*
D 15.24%* 16.74%* 17.24%* N/A N/A

Unsecured/Signature Loans

All loans except Mortgage, Home Equity, and credit card are eligible for loyalty or usage discounts.

Grade/Months 6 - 24 25 - 36 37 - 48 49 - 60
A 7.99%* 8.99%* 9.99%* 10.99%*
B 11.99%* 12.99%* 13.99%* 14.99%
C 15.99%* 16.99%* 17.99%* N/A
D 17.99%* 17.99%* N/A N/A

Other Loans

All loans (except for Mortgages, Home Equity Lines of Credit and VISA Credit Card) are eligible for loyalty or usage discounts (see our Loan Discount page for more information). No loan rate can go below 2.99% the Floor rate is Wall Street Prime [currently set at 5.00%] if not set by BOD. All E loans and Credit Rebuilder Loans have an interest rate 18% (APR*).

Loan Type Loan Rate Loan Details
CREDIT CARD VISA Wall StreetPrime Rate + 7% = 12.00%* NO ANNUAL FEE
HOME EQUITY* Wall Street Prime Min. 4.50% to a Max. of 14.00%
MORTGAGE See Mortgage Rate Sheet  
UNIMPROVED PROPERTY As low as 6.00% 10 YEARS                    12 YEARS
SMALL AMOUNT /SHORT TERM 28%
$20.00 loan fee

1% Interest Rate Discount for Direct Deposit
1% Interest Rate Discount for Auto-Pay