Loan Rates
Rates Effective as of December 2024
APR = Annual Percentage Rate. Rates may change after the account is opened. For all accounts, the Dividend Rate and APR may change at any time as determined by the Credit Unions Board of Directors.
Loan Rates
| Loan Type | APR* | Terms & Conditions |
|---|---|---|
| Personal Loans2 | As low as 9.95% | Terms based on loan amount |
| Share Pledge & CD Pledge Loans3 | Minimum of 4.50% | 2.5% above rate earned on share/cd with a minimum rate of 4.5% |
| Collateral Loans (boats, motorcycles, campers, etc.)4 | As low as 6.90% | Rate based on creditworthiness, term of loan, and automatic transfer, minimum rate applies. |
| New/Used Auto4 | As low as 6.25% | Rate based on creditworthiness, term of loan, and automatic transfer, minimum rate applies. |
| Loan Type | APR* | Terms & Conditions |
|---|---|---|
| Debt Consolidation Loan5 | As low as 9.95% | Up to $20,000. Terms based on loan amount. Exclusions and conditions apply. |
1) A penalty may be imposed for early withdrawal
2) APR refers to Annual Percentage Rate. Rates, terms and conditions are subject to change without notice. Maximum term and/or percentage to be financed may vary based on loan amount borrowed or credit standing of the applicant. Maximum eligibility may vary based on prior credit performance and income level. Membership required.
3) APR refers to Annual Percentage Rate. Rates, terms and conditions are subject to change without notice. Maximum term and/or percentage to be financed may vary based on amount borrowed or collateral of the applicant. Membership required.
4) APR refers to Annual Percentage Rate. Applies to new and used collateralized loans. Rates, terms and conditions are subject to change without notice. Rates and terms based on prior credit performance, age of collateral and additional credit union services chosen, and/or percentage of down payment. Dealer discounts and manufacturer’s rebates are not applied toward the down payment requirements. Members who do not qualify for the special rate offer may qualify for regular rates and terms. Membership required.
5) APR refers to Annual Percentage Rate. Rates, terms and conditions are subject to change without notice. Maximum term and/or percentage to be financed may vary based on loan amount borrowed or credit standing of the applicant. Maximum eligibility may vary based on prior credit performance and income level. Membership required.
REPAYMENT EXAMPLE
The rates below are an example only. Fixed interest rates for a Personal Loan may range from 9.95% to 20.25% (a 20.25% APR), all depending on you and/or your joint signer’s or cosigner’s credit histories, the repayment option selected, the repayment term selected and the loan amount.
48 months of $25.35 per $1,000.00 borrowed at 9.95% APR (lowest rate) or 48 months of $30.58 per $1,000 borrowed at 20.25% APR (highest rate).
^ Documentation fees may apply on some loans.
2) APR refers to Annual Percentage Rate. Rates, terms and conditions are subject to change without notice. Maximum term and/or percentage to be financed may vary based on loan amount borrowed or credit standing of the applicant. Maximum eligibility may vary based on prior credit performance and income level. Membership required.
3) APR refers to Annual Percentage Rate. Rates, terms and conditions are subject to change without notice. Maximum term and/or percentage to be financed may vary based on amount borrowed or collateral of the applicant. Membership required.
4) APR refers to Annual Percentage Rate. Applies to new and used collateralized loans. Rates, terms and conditions are subject to change without notice. Rates and terms based on prior credit performance, age of collateral and additional credit union services chosen, and/or percentage of down payment. Dealer discounts and manufacturer’s rebates are not applied toward the down payment requirements. Members who do not qualify for the special rate offer may qualify for regular rates and terms. Membership required.
5) APR refers to Annual Percentage Rate. Rates, terms and conditions are subject to change without notice. Maximum term and/or percentage to be financed may vary based on loan amount borrowed or credit standing of the applicant. Maximum eligibility may vary based on prior credit performance and income level. Membership required.
REPAYMENT EXAMPLE
The rates below are an example only. Fixed interest rates for a Personal Loan may range from 9.95% to 20.25% (a 20.25% APR), all depending on you and/or your joint signer’s or cosigner’s credit histories, the repayment option selected, the repayment term selected and the loan amount.
48 months of $25.35 per $1,000.00 borrowed at 9.95% APR (lowest rate) or 48 months of $30.58 per $1,000 borrowed at 20.25% APR (highest rate).
^ Documentation fees may apply on some loans.