Consumer Loan Rates

Auto & Titled Motorcycle Loans

Effective 5/30/2023

Model YearMaximum TermAnnual Percentage Rate†Payment Per $1,000
2022-2023*84 MonthsAs Low as 6.50%$14.85
2021-2023**72 MonthsAs Low as 6.25%$16.69
2020-202372 MonthsAs Low as 6.25%$16.69
2017-201960 MonthsAs Low as 5.75%$19.22
2014-201648 MonthsAs Low as 5.50%$23.26
2011-201336 MonthsAs Low as 5.25%$30.08
2008-2010***24 MonthsAs Low as 8.25%$45.34

*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 5/30/2023

YearMaximum TermAnnual Percentage Rate†Payment Per $1,000
2021-202372 MonthsAs Low as 6.50%$16.81
2019-202060 MonthsAs Low as 6.00%$19.33
2017-201848 MonthsAs Low as 5.75%$23.37
2015-201636 MonthsAs Low as 5.50%$30.20
2012-201424 MonthsAs Low as 5.50%$44.10
2010-2011*24 MonthsAs Low as 8.50%$45.46

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 3/27/2023

YearMaximum TermAnnual Percentage Rate†Payment Per $1,000
2022-2023*180 MonthsAs Low as 8.50%$9.85
2022-2023**144 MonthsAs Low as 8.00%$10.82
2020-2023***120 MonthsAs Low as 7.75%$12.00
2018-201984 MonthsAs Low as 6.75%$14.97
2016-201772 MonthsAs Low as 6.50%$16.81
2014-201560 MonthsAs Low as 6.00%$19.33
2012-201348 MonthsAs Low as 5.75%$23.37
2010-201136 MonthsAs Low as 5.50%$30.20
2010-2011Up to 36 MonthsAs Low as 8.50%$31.57

*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 3/27/2023

Loan AmountMaximum TermAnnual Percentage Rate†Payment Per $1,000
$20,000 to $49,99972 Months6.50%$16.81
$10,000 to $19,99960 Months6.00%$19.33
$6,000 to $9,99948 Months5.75%$23.37
$3,000 to $5,99936 Months5.50%$30.20
$500 to $2,99924 Months5.50%$44.10

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.