Loan Rates

Credit cards, lines of credit, AnyTime Loans, and more with a simple, streamlined borrowing process.

Credit Card Loans

Visa® Traditional Rewards Credit Card

Effective Date: 4/3/2025

Visa® Traditional Rewards Credit Card
APR* as low asAdditional Information
9.90%10% introductory rate for first 6 months for qualified members

1APR means Annual Percentage Rate. Rates are based on creditworthiness; other terms and conditions may apply.

Visa® Signature Rewards Credit Card

Effective Date: 4/3/2025

Visa® Signature Rewards Credit Card
APR* as low asAdditional Information
14.99%20% introductory rate for first 6 months for qualified members

2APR means Annual Percentage Rate. Rates are based on creditworthiness, and will vary with the market based on the U.S. Prime Rate.

Personal Loans

Lines of Credit

Effective Date: 4/3/2025

Lines of Credit
Loan TypeAPR* as low as
Lines of Credit10.25%

*APR means Annual Percentage Rate.

AnyTime Loans

AnyTime Loans

Effective Date: 4/3/2025

AnyTime Loans
Maximum TermAPR* as low asMonthly Payment per $1,000 Borrowed
36 months8.90%$31.76
48 months9.90%$25.32
60 months10.90%$21.70
84 months11.90%$17.61

*APR means Annual Percentage Rate. Rates for personal loans range from 8.90% to a maximum no greater than 18% APR. The maximum APR of 18% includes interest rate plus fees and other costs for a year and is calculated consistently with local law. The minimum period for repayment is 12 months, the maximum period for repayment is 84 months. Loan subject to approval. Not all applicants will qualify and not all borrowers will qualify for the lowest rate. The actual rate will vary depending on credit worthiness. 

AnyTime Express

Effective Date: 4/3/2025

AnyTime Express
Maximum TermAPR* as low asMonthly Payment per $1,000 Borrowed
12 months8.90%$87.41

*APR means Annual Percentage Rate. Loan amount set at $1,000, $1,500, or $2,000. Rates for an AnyTime Express personal loan range from 8.90% to a maximum no greater than 18% APR. The maximum APR of 18% includes interest rate plus fees and other costs for a year and is calculated consistently with local law. The repayment period is 12 months. Other terms and conditions may apply. Loan subject to approval. Not all applicants will qualify and not all borrowers will qualify for the lowest rate. The actual rate will vary depending on credit worthiness. 

Auto Loans

Effective Date: 4/3/2025

Auto Loan
Maximum TermAPR* as low asMonthly Payment per $1,000 Borrowed
36 months5.49%$30.20
60 months5.49%$19.10
72 months5.75%$16.46
84 months6.99%$15.10

*Annual Percentage Rate (APR) based on product, creditworthiness, loan amount, loan to value, and term. All loans subject to credit approval. Other terms and conditions may apply. Amounts may vary. Motorcycles excluded. Currently not processing lease buyouts or private party transactions.

Recreational Vehicle, Motorcycle, and Boat Loans

Effective Date: 4/3/2025

Recreational Vehicle, Motorcycle, and Boat Loans
Loan TypeMaximum TermAPR* as low asMonthly Payment Per $1,000 Borrowed
Motorcycle36 Months6.25%$30.54
60 Months6.50%$19.57
72 Months7.00%$17.06
Boat or RV*36 Months6.25%$30.54
60 Months6.50%$19.57
72 Months7.00%$17.06
84 Month7.75%$15.47
180 Months8.00%$9.57

*APR means Annual Percentage Rate. RV includes: Motorboats, Motorhomes, Truck Campers, Travel Trailers and Folding Camp trailers

Share Secured Loans

Effective Date: 4/3/2025

Certificates – (Share, IRA)
TermMinimum BalanceAPY1Dividend RateBetter Rewards APY1,2Better Rewards Dividend Rate
6-Month$5003.50%3.440%4.00%3.922%
9-Month$5003.60%3.537%4.10%4.018%
12-Month$5003.80%3.730%4.30%4.210%
18-Month$5003.30%3.247%3.80%3.730%
24-Month$5003.20%3.150%3.70%3.633%
36-Month$5003.00%2.956%3.50%3.440%

1APY = Annual Percentage Yield. Certificates dividends are compounded daily and credited monthly. All accounts insured by the NCUA to at least $250,000. IRAs are separately insured up to $250,000. These Dividend Rates(s) and Annual Percentage Yields(s) shown may change at any time as determined by our Board of Directors. Fees and/or penalties may reduce earnings.

Early withdrawal penalties: For certificates with a maturity of 12 months or less: loss of first 90 days of dividends. For certificates with a maturity of 13 months or greater: loss of 180 days of dividends.

2Members must meet Better Rewards Checking eligibility requirements at the time of opening or renewing a share certificate in order to receive the rewards rate. Other terms and conditions may apply.

Automatic renewal options available upon maturity. Share Certificates automatically renew to like terms. See Agreements & Disclosures for renewal policies.

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