Consumer Loan Rates

Auto & Titled Motorcycle Loans

Effective 7/31/2023

Maximum TermRates As Low As†Payment Per $1,000
7 Years*6.75% APR*$14.97
6 Years**6.50% APR*$16.81
5 Years6.00% APR*$19.33
4 Years5.75% APR*$23.37
3 Years5.50% APR*$30.20
2 Years5.50% APR*$44.10

*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.

***Term extension beyond 72 months for model year 2020 not available.
***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 7/31/2023

Maximum TermRates As Low As†Payment Per $1,000
6 Years7.00% APR*$17.05
5 Years6.50% APR*$19.57
4 Years6.25% APR*$23.60
3 Years6.00% APR*$30.42
2 Years6.00% APR*$44.32

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 7/31/2023

Maximum TermRates As Low As†Payment Per $1,000
15 Years*9.00%$10.14
12 Years **8.50% APR*$11.10
10 Years***8.25% APR*$12.27
7 Years7.25% APR*$15.22
6 Years7.00% APR*$17.05
5 Years6.50% APR*$19.57
4 Years6.25% APR*$23.60
3 Years6.00% APR*$30.42

*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 7/31/2023

Loan AmountMaximum TermRates As Low As†Payment Per $1,000
$20,000 to $49,9996 Years7.00% APR*$17.05
$10,000 to $19,9995 Years6.50% APR*$19.57
$6,000 to $9,9994 Years6.25% APR*$23.60
$3,000 to $5,9993 Years6.00% APR*$30.42
$500 to $2,9992 Years6.00% APR*$44.32

Unsecured Loans

Effective 01/17/2019

Maximum TermRates As Low As†Payment Per $1,000
5 Years11.50% APR*$21.99
4 Years10.50% APR*$25.60
3 Years10.25% APR*$32.38
2 Years10.00% APR*$46.14
1 Year9.50% APR*$87.68

 

Home Fuel/ Energy Efficiency Loans

Loan TypeTermMaximum Loan AmountRates As Low As†Payment Per $1,000
Energy EfficiencyUp to 60 Months$10,0004.50% APR*$18.64
Home Fuel18 Months$3,5004.00% APR*$57.33

 

Technology Loans

Effective 03/30/2018

Maximum Loan AmountMax Loan TermRates As Low As†Payment Per $1,000
$2,00012 Months3.65% APR*$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 TermRates As Low As†Payment Per $1,000
$500$1,0006 Months12 Months5.25% APR*$85.68

 

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