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Loan Rates
 
Sub Account Description   Annual Percentage Yield
2016 or Newer Auto Up to 72 months 2.50% - 13.25%**
2012-2015 Auto Up to 72 months 3.25% - 14.00%**
2007-2011 Auto Up to 48 months 6.50% - 14.75%**
Motorcycle Up to 72 months 5.00% - 13.75%**
RV or Boat Up to 84 months 5.00% - 14.25%**
Collateral over 10 Years Old Up to 48 months 8.65% - 16.15%
Signature 8.65% - 16.15%
Line of Credit 10.00% -18.00%
Overdraft Protection 13.00%
** rates do not reflect Member Loyalty Discount


Risk Based: The following disclosure applies to all sub accounts except the Overdraft Protection Line of Credit. The Annual Percentage Rate (APR) you receive will be within the range disclosed above and is based the term of the loan and your credit worthiness. Please ask us for the rate that you qualify for.

Green Vehicle Discount: Purchase or Refinance a Hybrid/Electric Vehicle and receive a .50% Annual Percentage Rate (APR) discount on your auto loan rate, subject to the floor rate.

Member Loyalty Discounts:  Members with 3 qualifying services will receive a .25% APR discount.  Members with 4 qualifying services will receive .50% APR rate reduction.  Rate discounts subject to the floor rate.

Qualifying services include:

  • Existing Term Share Account
  • Money Market Account
  • Existing Loan or Paid Loan in the last 12 months
  • Active MasterCard for the previous 12 months
  • Payroll Deduction, Automatic Payment or ACH Payment on the new loan
  • eStatements
  • Bill Pay (checking account required) with at least 5 transactions in the previous 6 months 

Loan rates are effective 04/01/2017 and are subject to change at the Board’s discretion.

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