Effective as of May 1, 2016

Loan rates



Loan Type Term Rate(as low as) 2 APR 1
Personal Loans3 48 months 9.95% 9.95%
Automobile/Motorcycle Loans 24 months 2.50% 2.50%
36 months 2.75% 2.75
48 months 2.95% 2.95%
60 months 2.95% 2.95%
72 months4 3.95% 3.95%
84 months4 4.95% 4.95%
Boat/RV Loans 36 months 2.75% 2.75%
48 months 3.20% 3.20%
60 months 3.20% 3.20%
72 months 4.20% 4.20%
more than 72 months 5.45% 5.45%
Bill Consolidation Loans 5 48 months 9.95% 9.95%
Personal Access Loan (PAL) 12 months 7.95% 7.95%
Fully Share-Secured Loans6
A+, A and B Credits 72 months Div. Rate + 2.10%
C, D, and E Credits 72 months Div. Rate + 3.10%
A+, A and B Credits 84 months Div. Rate + 2.10%
C, D, and E Credits 84 months Div. Rate + 3.10%
Visa Rewards Credit Cards7 n/a 8.50% 8.50%

We now offers 0.25% rate reduction on all consumer loans for U.S. Armed Forces Veterans. Thank you for your service.

 

  1. APR = Annual Percentage Rate
  2. Rates are as low as and determined by your credit history. Rates are subject to change at any time without notice.
  3. Personal Loans: $7,000 unsecured maximum amount.
  4. Automobile and Motorcycle Loans: 72 month term only available for new and current model year only. 84 month term only available for new vehicles. Auto Loan Rates are based on vehicles 2009 and newer. Special rates available on older cars up to 10 years old.
  5. Bill Consolidation Loans: $7,000 unsecured max amount.
  6. Fully Share-Secured Loans: 72 months maximum term, 100% secured by savings.
  7. Visa Rewards Credit Cards: Special Promotional Balance Transfer Rate 5.99% APR. Promotional rate remains fixed until transferred balance is fully paid off. See CU for details. Non-variable rate, no annual fee, zero liability.