Current Rates
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All Rates and terms are subject to change without notice.
Auto & Motorcycle Loans
| Loan Type | Rates | Term | Details |
|---|---|---|---|
| New Auto Loans | As low as 2.89% | Up to 84 months | 72 month term rates begin at 2.99% Financing available up to 100% of value |
| Used Auto Loans | As low as 2.89% | Up to 75 months | 72 month term rates begin at 2.99% |
| New Motorcycle Loans | As low as 2.89% | Up to 60 months | Model years 2020 & 2021 Financing available up to 100% of value |
| Used Motorcycle Loans | As low as 3.49% | Up to 48 months | Financing available up to 85% of value |
RV Loans
| Loan Amount | Rates | Term | Details |
|---|---|---|---|
| Less than $15,000 | As low as 6.89% | Up to 60 months | |
| $15,000 - $35,000 | As low as 6.89% | Up to 84 months | |
| Over $35,000 | As low as 6.89% | Up to 180 months | 5-year balloon for amounts over $35,000 |
Balloon - An increase in payment amount; usually more than 2x the original payment.
Home Loans
1st Mortgages
| Term | Rate |
|---|---|
| Up to 360 months | Market |
2nd Mortgages
| Term | Rates | Details |
|---|---|---|
| Up to 60 months | 4.75% | |
| Up to 360 months | 5.90% | With 5-year balloon |
HELOCs
| Lien Position | Tier | Rate | Floor | Ceiling |
|---|---|---|---|---|
| 1st | 1 | WSJP + 0.50% | 3.75% | 18% |
| 1st | 2 | WSJP + 1.00% | 4.25% | 18% |
| 1st | 3 | WSJP + 1.50% | 4.75% | 18% |
| 2nd | 1 | WSJP + 1.50% | 4.75% | 18% |
| 2nd | 2 | WSJP + 2.25% | 5.50% | 18% |
| 2nd | 3 | WSJP + 3.00% | 6.25% | 18% |
WSJP = Wall Street Journal Prime Rate
A first lien HELOC is a line of credit and mortgage in one. It replaces your existing mortgage, taking over as first lien. Unlike a traditional mortgage, it also works like a checking account—similar to a home equity loan. Borrowers are able to apply direct deposits to the loan principal, reducing mortgage interest and home loan term. You can also withdraw cash (in the form of a home equity loan) without having to refinance.
A second lien or junior-lien loan is one you take out using your house as collateral while still maintaining your 1st mortgage.
APR = Annual Percentage Rate. Rate and terms are subject to change. Not all members qualify for these rates. The actual interest rate offered is based on your credit history, product, loan term and if applicable, the remaining equity in your home. Other rates and term available.
CD & IRA Rates
$500 Minimum
| Months | APR | APY |
|---|---|---|
| 3 Month | 0.20% | 0.20% |
| 6 Month | 0.30% | 0.30% |
| 12 Month | 0.35% | 0.35% |
| 18 Month | 0.45% | 0.45% |
| 24 Month | 0.50% | 0.50% |
$10,000 Minimum
| Months | APR | APY |
|---|---|---|
| 3 Month | 0.25% | 0.25% |
| 6 Month | 0.35% | 0.35% |
| 12 Month | 0.45% | 0.45% |
| 18 Month | 0.50% | 0.50% |
| 24 Month | 0.60% | 0.60% |
| 36 Month | 0.65% | 0.65% |
Annual Percentage Yield calculation based on quarterly compounding. Dividends paid quarterly, early withdrawal penalties apply to all certificates. Minimum deposit to open and to maintain to earn interest is $500.00. Rates are subject to change without notice.
Personal & Business Loans
| Loan Type | Term | Rate | Details |
|---|---|---|---|
| Share Secured Loans | 36 Months (max) | 3.00% above last dividend rate paid on shares | Financing available for 100% of share balance |
| Signature Loans | 48 Months (max) | Rates range from 10.50% to 18.00% | Loan limited to 10% of annual gross income |
Share Rate
| Share Type | Rate |
|---|---|
| Regular Shares | 0.15 APR |
| Kid's Club Account | Regular Share Rate +0.25 |
Annual Percentage Yield calculation based on quarterly compounding.
A share savings account is an essential foundation account at a credit union. These accounts pay interest in the form of dividends on your savings, providing a safe place to store cash. Opening a share account is necessary to establish your membership in the credit union, which enables you to use other products like loans, checking accounts, and more.
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