Loan Rates

Auto Loans

Effective Date: Wednesday, November 5th, 2025

Loan Type	Terms	APR**
New or Used	Up to 84 Months	6.14% - 17.99%
Interest rate will decrease by .25% if enrolled with credit union automatic payments. Interest Rate Increases: Your rate will increase by 1.0% if the vehicle is more than 10 model years old. Your rate will increase by 1.0% if the vehicle has mileage of 125,000 or more.

Recreational Vehicle Loans

Effective Date: Wednesday, November 5th, 2025

Loan Type	Terms	APR**
New or Used Motorcycles	Up to 120 Months	7.29% - 17.99%
New or Used Motorhomes, Trailers, 5th Wheels, Campers	Up to 120 Months	7.29% - 17.99%
New or Used Boats	Up to 120 Months	8.29% - 18.00%
New or Used ATVs, Personal Watercraft, Snowmobiles	Up to 120 Months	8.29% - 18.00%
Interest rate will decrease by .25% if enrolled with credit union automatic payments. Interest Rate Increases: Your rate will increase by 1.0% if the vehicle is more than 10 model years old. Your rate will increase by 1.0% if the vehicle has mileage of 125,000 or more.

Personal Loans

Effective Date: Wednesday, November 5th, 2025

Loan Type	Terms	APR**
Personal Lifestyle Loan	12-84 Months	9.99%¹ - 17.99%
Line of Credit	Revolving	9.99% - 17.99%

Visa Credit Cards

Effective Date: Wednesday, November 5th, 2025

Loan Type	Terms	APR**
Visa Classic	Revolving. Fixed Rate.	9.90% - 16.90%
Visa Platinum Cash	Revolving. Variable.	18.00%

Other Types of Consumer Loans

Effective Date: Wednesday, November 5th, 2025

Loan Type	Terms	APR**
Certificate Secured Loan	Term of Certificate	Certificate Rate + 3.00%
Share Secured Loan	Up to 84 Months	5.00%

Home Equity Line of Credit - Variable Rate

Effective Date: Wednesday, November 5th, 2025

Loan Type	Terms	APR**	Limit
Up to 90% Loan to Value	10 Year Draw Period - up to 40 Year Term	7.00% - 9.00%	$5,000 - $250,000
APR based on Loan To Value. Your home is used as collateral.

¹Deduct .25% if automatic payments are established at loan signing.