Loan Rates
Effective 7/1/2022
| Type | APR* |
|---|---|
| New Auto | as low as 3.24% |
| Used Auto | as low as 3.24% |
| Motorcycle | as low as 5.49% |
| Boat or RV | as low as 6.49% |
Rate may vary or increase due to collateral conditions or certain adverse credit factors such as bankruptcy or repossession. Rate not to exceed 17.99%. Payment Example: $15,000 loan at 3.99% APR with 60 monthly payments of $293.49. Auto loan rate includes 0.25% APR discount by enrolling in eStatements and Automatic Payments from your Credit Union account. Auto loan rate includes a 0.25% APR discount when using our complimentary Auto Advisors car buying service. | |
| Type | APR* |
|---|---|
| Personal Loan | as low as 9.49% |
| Personal Line of Credit | as low as 10.49% |
| Share Secured Personal Loan | Share Rate + 2.50% |
| Type | Rate | Points | APR* |
|---|---|---|---|
| Purchase - 15 Year Fixed | 4.875% | 0.704% | 5.201% |
| Purchase - 20 Year Fixed | 5.375% | 0.626% | 5.626% |
| Purchase - 30 Year Fixed | 5.500% | 0.682% | 5.693% |
Rates are updated frequently and are subject to change without notice. Your actual rate is based on your credit quality, down payment, loan term, and amount financed. Rate lock cutoff time is 4:00 PM EST. Any lock requests received after 4:00 PM EST will be subject to tomorrow’s posted rates. Interest rates above are based on a $200,000 purchase and a $160,000 no cash out refi of a single-family home as a primary residence, 45-day rate lock, credit score of 740, and a loan-to-value of 80% or less. Discount points may apply. Terms and conditions subject to change at any time without prior notice. | |||
| Type | APR* |
|---|---|
| Green & Gold Visa | as low as 8.74% |
| Rewards Visa | as low as 9.74% |
| Secured Visa | 9.49% |
Credit cards are variable rate based on Prime. Rate may change after account opening. | |
| Type | Term | APR* | Rate Type | Loan Fee |
|---|---|---|---|---|
| Vehicle and Equipment | up to 60 months | Prime + 0.75% | Fixed | $150 ($250 if over $50,000) |
| Unsecured Installment | up to 60 months | Prime + 1.25% | Fixed | $150 ($250 if over $50,000) |
| Real Estate | ask for details | ask for details | ask for details | ask for details |
| Share Secured Installment | up to 60 months | Share Rate + 2.00% | Variable | n/a |
| Credit Card - Sole Proprietor | n/a | as low as 9.99% | Variable | n/a |
| Credit Card - Business | n/a | ask for details | Variable | $150 ($250 if over $25,000) |
Share secured installment and credit cards are variable rate based on Prime. Rate may change after account opening. | ||||
*APR=Annual Percentage Rate. Loan rates determined by individual creditworthiness, qualifications, term of loan and collateral conditions including age of vehicle. Rates, terms and conditions subject to change.
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