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Loans and Credit Card Rates

Home Loans

View today's rates.

Rates effective January 1, 2019.

Term APR Monthly Payment Per $1,000 Rate As Low As
Up to 5 years 4.25% $9.27 4.25%
Up to 10 years 5.25% $5.37* 5.25%
Up to 15 years 7.00% $4.50 7.00%
APR=Annual Percentage Rate. Applications are subject to credit approval, and actual rate will be determined by your credit,
Loan-to-Value and term. Some restrictions may apply. Consult your tax advisor to determine whether the interest is tax deductible. All rates are subject to change without prior notice.
* Monthly payment example: A loan of $50,000 financed for 10 years would be $5.37 x 100 = $537 per month; your loan will have a total cost of $64,440 ($537 x 120).

Rates effective January 1, 2019.
We have an introductory rate special of 2.99% APR* for the first 12 months.

Loan to Value Ratio APR Rate As Low As
< or =75% 5.00%* Prime -0.50%
75.01% – 80% 5.50%* Prime +0.00%
80.01% – 85.00% 6.00%* Prime +0.50%
85.01% – 90.00% 6.50%* Prime +1.00%
*APR = Annual Percentage Rate. All rates are subject to change without prior notice. Rates and terms are based upon evaluation of applicant(s) credit. Your actual rate and margin may vary. The Annual Percentage Rate (APR) for these variable rate products is based upon the Wall Street Journal Prime Interest Rate rounded to the nearest 1/4% (Index), plus the applicable margin. The maximum rate is 12.00% or the maximum permitted by law, whichever is less. The rate will never go below 3.50% APR (Floor) at any time during the term of the plan, except during a discount period. The interest rate can change quarterly, up or down, by a maximum of 1.00%. Homeowner's insurance is required. Consult your tax advisor to determine whether the interest is tax deductible. Some restrictions may also apply.

Auto Loans

Rates effective January 1, 2019.

Vehicle Type Minimum Balance Term APR Monthly Payment Per $1,000 Rates As Low As
New Auto
2018 		n/a 36 months 2.74% $28.98 2.74%
n/a 48 months 3.69% $22.46 3.69%
n/a 60 months 3.69% $18.30* 3.69%
$15,000 72 months 3.94% $15.64 3.94%
$35,000 84 months 4.69% $14.00 4.69%
Used Auto
2011-2018		 n/a 36 months 2.99% $29.10 2.99%
n/a 48 months 3.99% $22.58 3.99%
n/a 60 months 3.99% $18.42 3.99%
$15,000 72 months 4.49% $15.88 4.49%
Older Used Auto n/a 36 months 4.99% $29.98 4.99%
APR=Annual Percentage Rate. Applications are subject to credit approval, and actual rate is based on your credit. All rates are subject to change without prior notice. Rates shown above are our Premium Loan Rates.
* Monthly payment example: A loan of $20,000 financed for 60 months would be $18.30 x 20 = $366.00 per month; your loan will have a total cost of $21,960.00 ($366.00 x 60). The sample payments do not include summer skips or payment protection.

Rates effective January 1, 2019.

Vehicle Type Term APR Monthly Payment Per $1,000 Rates As Low As
New Motorcycle
2018		 36 months 3.74% $29.41* 3.74%
48 months 4.69% $22.90 4.69%
Used Motorcycle
2011-2018		 24 months 4.99% $43.90 4.99%
New Boat/RV/Motor Home
2018		 5
years		 4.69% $18.74 4.69%
10
years		 5.44% $10.84 5.44%
Used Boat/RV/Motor Home
2014-2018		 5
years		 4.99% $18.88 4.99%
8
years		 5.49% $12.90 5.49%
Older Used Boat/RV/Motor Home 6
years		 6.99% $17.06 6.99%
APR=Annual Percentage Rate. Applications are subject to credit approval, and actual rate is based on your credit. All rates are subject to change without prior notice. Rates shown above are our Premium Loan Rates.
* Monthly payment example: A loan of $10,000 financed for 36 months would be $29.41 x 10 = $294.10 per month; your loan will have a total cost of $10,587.60 ($294.10 x 36). The sample payments do not include summer skips or payment protection.

Personal Loans

Rates effective January 1, 2019.

Loan Type Term APR
Certificate Secured Loan Remaining Certificate Term Certificate Rate +3.00%
Share Secured Loan 120 months Share Rate +3.00%
APR=Annual Percentage Rate.  Applications are subject to credit approval, and actual rate is based on your credit. All rates are subject to change without prior notice.
Rates effective January 1, 2019.
Loan Type Term APR Monthly Payment Per $1,000 Rate As Low As
Personal Loan 36 months 10.49% $32.49 10.49%
48 months 10.99% $25.84 10.99%
60 months 11.49% $21.991 11.49%
Line of Credit N/A 12.90% $30.002 12.90%
APR=Annual Percentage Rate.  Applications are subject to credit approval, and actual rate is based on your credit. All rates are subject to change without prior notice.
1 Monthly payment example: A loan of $10,000 financed for 60 months will be $21.99 x 10 = $219.90 per month; your loan will have a total cost of $13,194 ($219.90 x 60). The sample payments do not include summer skips or payment protection.
2 The sample payment of $30.00 applies to members who pay the loan every month. Members who skip their payments in July and August, the monthly payment is $36.00.

Visa® Credit Cards

Rates effective January 1, 2019.

Visa® Term APR Rate As Low As
Visa® Rewards Variable monthly 5.50% 5.50%
Visa® Gold Fixed 12.90% 12.90%
Visa® Credit Card Variable monthly 11.50% 11.50%
APR=Annual Percentage Rate. Applications are subject to credit approval, and actual rate is based on your credit. All rates are subject to change without prior notice.  For complete details, view the Credit Card Application and Solicitation Disclosure.
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