Loan Rates

Cash Infusion Loan   Maximum Loan Amount

Base APR* As low as...

Term  
Cash Infusion Loan

Up to $750

 Per Household

27.00%

Up to 3 mos. Calculator

 

New Autos - 20% or more Down Payment  Maximum Loan Amount

Base APR* As low as...

Term
New  Autos (1)

 Up to 125% MSRP

2.29%

up to 36 mos. Calculator
New Autos (1)

Up to 125% MSRP

2.49%

37 to 60 mos. Calculator
New  Autos (1)

Up to 125% MSRP

2.69%

61 to  72 mos. Calculator
Used  Autos (1)

  Up to 125%

Retail Kelly Blue Book

 2.29% 

up to 36 mos.

Calculator 
Used Autos (1)

Up to 125%

Retail Kelly Blue Book

2.49%

37 to 60 mos. Calculator
Used Autos (1)

  Up to 125%

Retail Kelly Blue Book

2.69%

61 to  72  mos. Calculator

 

New Autos - Less than 20% Down Payment Maximum Loan Amount Base APR* As low as... Term
New  Autos (1)

 Up to 125% MSRP

2.49%

up to 36 mos. Calculator
New  Autos (1)

Up to 125% MSRP

2.79%

37 to 60 mos. Calculator
New  Autos (1)

Up to 125% MSRP

3.19%

61 to  72 mos. Calculator
Used Autos (1)

Up to 125% MSRP

2.49%

up to 36 mos. Calculator
Used Autos (1)

  Up to 125%

Retail Kelly Blue Book

 2.79% 

37 to 60  mos.

Calculator
Used  Autos (1)

  Up to 125%

Retail Kelly Blue Book

3.19%

61 to 72  mos. Calculator 

 

 

 

Motorcycles   Maximum Loan Amount Base APR* As low as... Term  
New Motorcycles

Up to 125% MSRP

4.29%

up to 36 mos. Calculator
New Motorcycles

Up to 125% MSRP

5.29%

37 to 72 mos. Calculator

 

Personal Loans   Maximum Loan Amount Base APR* As low as... Term  
Personal Loan 

Up to $15,000

 Per Household

6.00%

Up to 24 mos. Calculator
Personal Loan

Up to $15,000

 Per Household

7.00%

25 to 36 mos. Calculator
Personal Loan

Up to $15,000

 Per Household

8.00%

37 to 60 mos. Calculator

 

Home Equity Loans Base APR* Term  
Home Equity Line of Credit - Up to $150,000

Variable

Open-End Calculator

 

Credit Card Loans Base APR* Term
VISA Platinum - No Rewards

7.99%

Revolving Calculator
VISA Platinum - Rewards

 9.99%

Revolving  Calculator 
Secured VISA - up to $5,000

17.99%

Revolving Calculator

Interest Rates are set by the Board of Directors and are subject to change.

*APR = Annual Percentage Rate
**Certificate Secured rate is 3% over dividend rate. ***Closed End = no additional advance allowed.

(1) Example: $17.66 per month per $1,000 borrowed at 2.29% for 60 months.

 

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Rates displayed are the lowest rates available. Rates are applicable to members with proven ability to maintain excellent credit for a period of 3 years or more and to effectively manage their level of unsecured debt while building assets. Increase in rates of up to 14% could be added to the rates for members who fail to meet this criteria. All loan commitments will be on approval of credit and based on the creditworthiness and the abilities of the individual borrower.

Effective date: 07/01/2014 Interest rates are set by the Board of Directors are subject to change.