Consumer Loan Rates
Auto & Titled Motorcycle Loans
Effective 7/31/2023
Maximum Term | Rates As Low As† | Payment Per $1,000 |
---|---|---|
7 Years* | 6.75% APR* | $14.97 |
6 Years** | 6.50% APR* | $16.81 |
5 Years | 6.00% APR* | $19.33 |
4 Years | 5.75% APR* | $23.37 |
3 Years | 5.50% APR* | $30.20 |
2 Years | 5.50% 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 Term | Rates As Low As† | Payment Per $1,000 |
---|---|---|
6 Years | 7.00% APR* | $17.05 |
5 Years | 6.50% APR* | $19.57 |
4 Years | 6.25% APR* | $23.60 |
3 Years | 6.00% APR* | $30.42 |
2 Years | 6.00% 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 Term | Rates 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 Years | 7.25% APR* | $15.22 |
6 Years | 7.00% APR* | $17.05 |
5 Years | 6.50% APR* | $19.57 |
4 Years | 6.25% APR* | $23.60 |
3 Years | 6.00% 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 Amount | Maximum Term | Rates As Low As† | Payment Per $1,000 |
---|---|---|---|
$20,000 to $49,999 | 6 Years | 7.00% APR* | $17.05 |
$10,000 to $19,999 | 5 Years | 6.50% APR* | $19.57 |
$6,000 to $9,999 | 4 Years | 6.25% APR* | $23.60 |
$3,000 to $5,999 | 3 Years | 6.00% APR* | $30.42 |
$500 to $2,999 | 2 Years | 6.00% APR* | $44.32 |
Unsecured Loans
Effective 01/17/2019
Maximum Term | Rates As Low As† | Payment Per $1,000 |
---|---|---|
5 Years | 11.50% APR* | $21.99 |
4 Years | 10.50% APR* | $25.60 |
3 Years | 10.25% APR* | $32.38 |
2 Years | 10.00% APR* | $46.14 |
1 Year | 9.50% APR* | $87.68 |
Home Fuel/ Energy Efficiency Loans
Loan Type | Term | Maximum Loan Amount | Rates As Low As† | Payment Per $1,000 |
---|---|---|---|---|
Energy Efficiency | Up to 60 Months | $10,000 | 4.50% APR* | $18.64 |
Home Fuel | 18 Months | $3,500 | 4.00% APR* | $57.33 |
Technology Loans
Effective 03/30/2018
Maximum Loan Amount | Max Loan Term | Rates As Low As† | Payment Per $1,000 |
---|---|---|---|
$2,000 | 12 Months | 3.65% 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 Amount | Maximum Loan Amount | Minimum Term | Maximum Term | Rates As Low As† | Payment Per $1,000 |
---|---|---|---|---|---|
$500 | $1,000 | 6 Months | 12 Months | 5.15% APR* | $85.68 |
†Annual Percentage Rate based on a credit score of 680 or higher.