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Loan Rates

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For your convenience, we provide several online calculators to assist you in your financial planning.

Rates are subject to change. Call 1-888-451-3798 for current rates. Loan rates quoted are LOWEST rates available and MAY VARY based on age of collateral, term of loan and applicant's credit history. Terms below are listed in months. Fixed rates quoted include a .50% discount for automatic payment. Other conditions may apply.

Loan Rates Effective January 5, 2022

Auto Loans
Model Year Rate APR* Term
2020 & Newer 1.99 1.99 48
2017–2019 2.24 2.24 48
2012–2016 2.49 2.49 48
2007–2011 3.49 3.49 48
2006 & Older 4.49 4.49 48
ATV Loans
Loan Type Rate APR* Term
New ATV 5.75 5.75 36
Used ATV 6.75 6.75 36
Boat Loans
Model Year Rate APR* Term
2018 & Newer 3.24 3.24 48
2010-2017 3.99 3.99 48
2005-2009 5.49 5.49 48
Motorcycle Loans
Model Year Rate APR* Term
2018 & Newer 3.24 3.24 48
2010-2017 3.99 3.99 48
2005-2009 5.49 5.49 48
Recreational Vehicle Loans
Model Year Rate APR* Term
2018 & Newer 3.24 3.24 48
2010-2017 3.99 3.99 48
2005-2009 5.49 5.49 48
Snowmobile Loans
Loan Type Rate APR* Term
New Snowmobile 5.75 5.75 36
Used Snowmobile 6.75 6.75 36
Trailer Loans
Model Year Rate APR* Term
2018 & Newer (titled) 3.24 3.24 48
2010-2017 (titled) 3.99 3.99 48
2005-2009 (titled) 5.49 5.49 48
New Trailer (non-titled) 5.75 5.75 36
Used Trailer (non-titled) 6.75 6.75 36
Home Equity Loans - Effective March 1, 2021
Loan Type Rate APR* Term
80% Loan to Value — fixed rate** 3.99 3.99 60
90% Loan to Value — fixed rate** 4.99 4.99 60
Home Equity Line of Credit - Effective March 1, 2021
Loan Type Rate APR* Term
80% LTV — variable rate*** 4.25 4.25 120
90% LTV — variable rate*** 5.25 5.25 120
Personal Loans
Loan Type Rate APR* Term
Unsecured Line of Credit 10.00 10.00 NA
Unsecured Personal Loans 8.99 8.99 36
New Non-Titled Miscellaneous Secured Loans 5.75 5.75 36
Used Non-Titled Miscellaneous Secured Loans 6.75 6.75 36
Classic Visa Credit Card
Rate APR*
10.90 10.90

VISA Classic Disclosure

Credit Builder
Loan Type Rate APR* Term
Credit Builder Loan 10.00 10.00 12

Apply for a Mortgage Online

*APR = Annual Percentage Rate

**Home Equity loans are also available in 10 and 15 year terms. Contact your Credit Union for more information.

***Home Equity Line of Credit:  The 4.25% APR is available with qualifying credit and a loan to value (LTV) of 80% or less. Higher rates apply to higher loan to values.  The APR will vary based on an index.  The index is the Prime Rate as published the last business day of the quarter prior to the date of the interest adjustment in the Money Rates column of the Wall Street Journal.  As of July 1, 2010, the variable APR for lines of credit is 4.25% - 6.50%.  The rate is subject to change, but will not go below 4.25% APR and it will not  exceed 11.75% APR. Closing costs typically range from $0 to $750.  Consult your tax advisor regarding deductibility of interest.  Property insurance is required.

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