Consumer Loan Rates

Auto & Titled Motorcycle Loans

Effective 06/17/2022

YearMaximum TermAnnual Percentage Rate†Payment Per $1,000
2021 & Newer*84 MonthsAs Low as 4.25%$13.78
2020 & Newer**72 MonthsAs Low as 3.75%$15.53
2019 & Newer72 MonthsAs Low as 3.75%$15.53
2016-201860 MonthsAs Low as 3.25%18.08
2013-201548 MonthsAs Low as 3.00%$22.13
2010-201236 MonthsAs Low as 2.75%$28.97
2007-2009***24 MonthsAs Low as 5.75%$44.21

*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 06/17/2022

YearMaximum TermAnnual Percentage Rate†Payment Per $1,000
2020 & Newer72 MonthsAs Low as 3.75%$15.53
2018-201960 MonthsAs Low as 3.25%$18.08
2016-201748 MonthsAs Low as 3.00%$22.13
2014-201536 MonthsAs Low as 2.75%$28.97
2011-201324 MonthsAs Low as 2.75%$42.87
2009-2010*24 MonthsAs Low as 5.75%$44.21

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 06/17/2022

YearMaximum TermAnnual Percentage Rate†Payment Per $1,000
2021 & Newer*180 MonthsAs Low as 5.50%$8.17
2021 & Newer**144 MonthsAs Low as 5.00%$9.25
2019 & Newer***120 MonthsAs Low as 4.75%$10.48
2017-201884 MonthsAs Low as 4.25%$13.78
2015-201672 MonthsAs Low as 3.75%$15.53
2013-201460 MonthsAs Low as 3.25%$18.08
2011-201248 MonthsAs Low as 3.00%$22.13
2011-201036 MonthsAs Low as 2.75%$28.97
2009-2010Up to 36 MonthsAs Low as 5.75%$44.21

*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 06/22/2022

Loan AmountMaximum TermAnnual Percentage Rate†Payment Per $1,000
$20,000 to $49,99972 Months3.75%$15.53
$10,000 to $19,99960 Months3.25%$18.08
$6,000 to $9,99948 Months3.00%$22.13
$3,000 to $5,99936 Months2.75%$28.97
$500 to $2,99924 Months2.75%$42.87

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

Visa Credit Card

Purchases: 13.90% APR*

Balance Transfer: 6.95% APR* for the life of the balance transferred.

*Annual Percentage Rate

Lifestyle Line of Credit

Effective 08/01/2022

TermRateAnnual Percentage RateMonthly Payment
Revolving*Prime + 3.00%8.50%2.00% of the outstanding balance, or $100.00, whichever is greater.

*640+ Credit Score needed to Qualify.
WSP as of 07/27/2022 is 5.50%.
The Periodic Rate is 0.02329%

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.