Consumer Loan Rates

Auto & Titled Motorcycle Loans

Effective 10/03/2022

YearMaximum TermAnnual Percentage Rate†Payment Per $1,000
2021 & Newer*84 MonthsAs Low as 5.25%$14.25
2020 & Newer**72 MonthsAs Low as 5.00%$16.10
2019 & Newer72 MonthsAs Low as 5.00%$16.10
2016-201860 MonthsAs Low as 4.50%$18.64
2013-201548 MonthsAs Low as 4.25`%$22.69
2010-201236 MonthsAs Low as 4.00%$29.52
2007-2009***24 MonthsAs Low as 7.00%$44.77

*Minimum Loan Amt. $25,000 (Tier I,II & III only)
**Term extension available only if Average or Low miles. Minimum loan amount $25,000. (Tier I,II,III only) Commercial Vehicles do not qualify for term extensions beyond 72 months.
***Add 1.00% for high mileage.

Term extensions may be considered with a .50% loan rate increase for every 6 months added to the original term rate.

Other Secured Loans

Non-Titled Motorcycle, Snowmobile, Jet Ski, Utility Trailer

Effective 10/03/2022

YearMaximum TermAnnual Percentage Rate†Payment Per $1,000
2020 & Newer72 MonthsAs Low as 5.00%$16.10
2018-201960 MonthsAs Low as 4.50%$18.64
2016-201748 MonthsAs Low as 4.25%$22.69
2014-201536 MonthsAs Low as 4.00%$29.52
2011-201324 MonthsAs Low as 4.00%$43.42
2009-2010*24 MonthsAs Low as 7.00%$44.77

Term extensions may be considered with a .50% loan rate increase for every 6 months added to the original term rate not to exceed 3.00%

Motor Home, Camper and Boat

Effective 10/03/2022

YearMaximum TermAnnual Percentage Rate†Payment Per $1,000
2021 & Newer*180 MonthsAs Low as 6.50%$8.71
2021 & Newer**144 MonthsAs Low as 6.00%$9.76
2019 & Newer***120 MonthsAs Low as 5.75%$10.98
2017-201884 MonthsAs Low as 5.25%$14.25
2015-201672 MonthsAs Low as 5.00%$16.10
2013-201460 MonthsAs Low as 4.50%$18.64
2011-201248 MonthsAs Low as 4.25%$22.69
2011-201036 MonthsAs Low as 4.00%$29.52
2009-2010Up to 36 MonthsAs Low as 7.00%$30.88

*Minimum Loan Amount $35,000 Tier I, II & III Only
**Minimum Loan Amount $30,000 Tier I, II & III Only)
***Minimum Loan Amount $25,000 Tier I, II & III Only)
The maximum loan amount for boats is $75,000.  Maximum term is 120 months.
The maximum loan amount for Motor Homes and campers is $100,000.  Maximum term is 180 months.

Tractor (Personal use only)

Effective 10/03/2022

Loan AmountMaximum TermAnnual Percentage Rate†Payment Per $1,000
$20,000 to $49,99972 Months5.00%$16.10
$10,000 to $19,99960 Months4.50%$18.64
$6,000 to $9,99948 Months4.25%$22.69
$3,000 to $5,99936 Months4.00%$29.52
$500 to $2,99924 Months4.00%$43.42

Unsecured Loans

Effective 01/17/2019

Maximum TermAnnual Percentage Rate†Payment Per $1,000
60 MonthsAs Low as 11.50%$21.99
48 MonthsAs Low as 10.50%$25.60
36 MonthsAs Low as 10.25%$32.38
24 MonthsAs Low as 10.00%$46.14
12 MonthsAs Low as 9.50%$87.68

 

Home Fuel/ Energy Efficiency Loans

Loan TypeTermMaximum Loan AmountAnnual Percentage RatePayment Per $1,000
Energy EfficiencyUp to 60 Months$10,0004.50%$18.64
Home Fuel18 Months$3,5004.00%$57.33

 

Technology Loans

Effective 03/30/2018

Maximum Loan AmountMax Loan TermAnnual Percentage Rate†Payment Per $1,000
$2,00012 MonthsAs low as 3.65%$84.99

Credit Builder Loans

Credit Builder Loan is available to members with no credit score or credit scores 599 or lower.

Minimum Loan AmountMaximum Loan AmountMinimum TermMaximum TermAnnual Percentage RatePayment Per $1,000
$500$1,0006 Months12 Months5.15%$85.68

 

†Annual Percentage Rate based on a credit score of 680 or higher.