Loan Rates

New Auto Purchase (Never Titled)

Term	Rate/APR as low as3
0-48 Months	4.24%
49-60 Months	4.24%
61-66 Months	4.74%
67-72 Months	5.24%
73-78 Months	6.24%
79-84 Months	7.24%

*Auto rates effective 02/24/2025

Used Auto Purchase and Refinance (2022-2024)

Term	Rate/APR as low as4
0-48 Months	4.49%
49-60 Months	4.49%
61-66 Months	4.99%
73-78 Months	6.74%
79-84 Months	8.24%

*Auto rates effective 02/24/2025

Used Auto Purchase and Refinance (2021 and older)

Term	Rate/APR as low as4
0-48 Months	4.99%
49-60 Months	5.49%
61-66 Months	5.99%
67-72 Months	6.49%

*Auto rates effective 02/24/2025

New & Used RV Purchase and Refinance
(RV's, Campers, Watercraft, Motorcycles)

Term	Rate/APR as low as5
0-48 Months	4.99%
49-60 Months	5.49%
61-66 Months	5.99%
67-72 Months	6.49%
73-78 Months	7.24%
79-84 Months	7.74%
85-102 Months	9.24%
103-120 Months	9.74%

*RV rates effective 08/01/2024

Credit Cards Rates

Card Type	Rate/APR as low as8
Platinum	7.90%
Gold	8.90%
Classic	9.90%
Secured	7.90%

Credit Card Rate Rates Effective 08/01/2024

Line of Credit (LOC)

Type	Rate/APR as low as9
Line of Credit	9.99%

Personal Loan Rates

Term	Rate/APR as low as10
0-24 Months	7.49%
25-36 Months	7.99%
37-48 Months	8.49%
49-60 Months	8.99%

Home Equity 1st Position 

Term	Rate/APR as low as11
60 Months	5.49%
90 Months	5.99%
120 Months	6.99%
180 Months	7.99%

Home Equity 2nd Position 

Term	Rate/APR as low as11
60 Months	5.99%
90 Months	6.49%
120 Months	7.24%
180 Months	8.49%

Additional Rate Disclosures* 

• *APR = Annual Percentage Rate
• The advertised rates can vary based on creditworthiness, age of collateral, loan term, rate reduction discounts, and our internal lending criteria which means your rate may be higher. Not all borrowers will qualify.
• All loans and terms are subject to credit approval. Rates and terms subject to change without prior notice.
• Please ask about available rate reduction discounts. Down payment rate reduction only available for purchases. Rate reduction discounts may not be combined, restrictions apply. Rates quoted above include all applicable rate reduction discounts.
• Regardless of available discounts, total rate reduction may not result in a rate lower than the best possible floor rate. 
• Your actual rate will be determined at time of application, and may be higher than the lowest advertised rates.

³The listed APR reflects a new auto purchase, top-tier credit, and maximum rate reduction discount of 1.50% APR. Refinances are excluded from down payment rate reduction discount.

**New Autos: Brand-new automobiles that have never before been titled to a private owner.

Payment example: New auto loan of $25,000 for 48 months at 4.24% APR will have a monthly payment of $569.00.

⁴The listed APR reflects a used auto purchase, top-tier credit, and maximum rate reduction discount of 1.50% APR.

Payment example: Used auto loan of $25,000 for 48 months at 4.49% APR will have a monthly payment of $572.00.

Payment example: Used auto loan of $25,000 for 48 months at 4.99% APR will have a monthly payment of $577.00.

⁵The listed APR reflects a new or used RV/watercraft/motorcycle/ATV purchase, top-tier credit, and maximum rate reduction discount of 1.50% APR.

Payment example: RV loan of $25,000 for 48 months at 4.99% APR will have a monthly payment of $577.00.

⁸All rates shown are the credit union's lowest possible rates for well qualified borrowers, so your rate may vary. Loans and Lines of Credit are subject to credit approval. Rates are subject to Lender’s credit criteria, and subject to change.

Credit Card Agreement and Disclosure Statement

⁹All rates shown are the credit union's lowest possible rates for well qualified borrowers. Loans and Lines of Credit are subject to credit approval. Rates are subject to Lender’s credit criteria, certain conditions, and restrictions. All rates are subject to change. Late payment fees may apply. Your amount may vary based on credit qualifications. Checking LOC has a $3 transfer fee for all transfers not completed by the member.

Repayment terms of 3% of outstanding balance or $25, whichever is greater.

¹⁰Rates and loan approval are based on creditworthiness and our internal credit criteria, so your rate may be higher. Not all borrowers will qualify. Minimum or maximum loan amounts and credit limits apply. Other restrictions may apply. All offers and rates are subject to change without further notice.

Payment Example: A personal loan amount of $5,000 for 24 months at 7.49% APR will have a monthly payment of $226.00.

¹¹Home Equity Loans are fixed-rate loans. Rates are as low as 5.49% (Includes max allowable discounts) and are based on an evaluation of credit history, CLTV (combined loan-to-value) ratio, loan amount, and occupancy, so your rate may differ.  Taxes and insurance not included so the actual payment obligation may be greater. The member is responsible for all closing  an any prepaid costs.  you must carry homeowners’ insurance on the property that secures this plan.