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Lending Rates

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Effective Feb 22, 2017
Vehicle Loans APR* Term^ Calculator Model Years
2.74% 60 mo. Calculator 2007 - 2014
5.24% 60 mo. Calculator 2006 & older
Recreational Vehicles (RV) 2.99% 120 mo. Calculator 2015 & newer
3.49% 120 mo. Calculator 2007 - 2014
Car, Boat, RV & Motorcycles 2.24% 60 mo. Calculator 2015 & newer
2.49% 72 mo. Calculator 2015 & newer
2.99% 72 mo. Calculator 2007 - 2014
2.74% 84 mo. Calculator 2015 & newer
Loan terms & conditions may vary based on amount financed.
* Annual Percentage Rate. Lowest APR available with qualifying credit and automatic payment. A loan floor of 1.99% APR applies.
^ As an example, the monthly payment on a loan with 2.99% APR and an 84-month term would be about $13.22 per $1000 financed.


Effective Jan 1, 2017
Personal Lending APR* Term^ Calculator
Signature Loan 7.65% 60 mo. Calculator
Signature Line of Credit 7.65% Revolving + Calculator
Share Secured Loan ~ 2.00% 60 mo. Calculator
Credit Builder Loan 8.00% 60 mo. Calculator
* Annual Percentage Rate. Lowest APR available with qualifying credit & automatic payment.
^ Financing available for 49 - 60 months on loans above $10,000. As an example, the monthly payment on a loan with 7.99% APR and an 60-month term would be about $20.27 per $1000 financed.

+ Your payment will be 2.75% of your balance at the time of your last advance.
~ Share Secured Loan is 1.75% APR above the rate of instrument, rounded up to the nearest quarter percent.
Effective Jan 1, 2017
Home Equity APR* Term Calculator
Home Equity Line of Credit # 4.25% Revolving Calculator
Payment for a Home Equity Line of Credit is 1.50% of the balance at the time of advance.
* Annual Percentage Rate. Lowest APR available with qualifying credit. Your rate may be higher and is based on credit score. Member must maintain homeowner's insurance at own expense.
# Rate is as low as Prime+.50%. The initial rate is tied to the Prime rate as published in the Wall Street Journal. The rate is variable and may change at annually on the anniversary of your line of credit. Your rate may vary from that shown above and is based on creditworthiness. This is a variable rate line of credit and as such, the rate may change over the life of the line. Consult us for details. The maximum APR on this loan is 6% above the entry rate or 18%, whichever is lower. Equity based on 80% of assessed value less first mortgage balance. Subject to credit approval. Minimum line $5,000.00. Maximum line $100,000.00.

Effective Jan 1, 2017
Credit Cards Intro Rate^ APR* Calculator
Visa Emerald 3.9% 8.9% Calculator
Secured Visa 13.9% Calculator
Click here for pricing information on Visa Emerald.
Click here for pricing information on our Secured Visa.

^ For 6 months
* Annual Percentage Rate. Lowest APR available with qualifying credit.
Effective Jan 1, 2017
Student Loans APR* Calculator
Private Student Loan 2.62% Calculator
* Interest rates for the Fixed and Deferred Repayment Options are higher than for loans with the Interest Repayment Option. Graduate student pricing on the Smart Option Student Loan is limited to students enrolling in a Masters/Doctorate level degree program. Graduate Certificate/Continuing Education course work is not eligible for graduate student pricing. Variable rates may increase after consummation. Interest is charged while you are in school and during the 6-month separation period. Any interest that remains unpaid when you enter full repayment will be added to your loan balance.

Effective Jan 1, 2017
First Mortgage APR Calculator
First Mortgage Call for details Calculator
Member must maintain homeowner's insurance at own expense.