Rates

Visa Rewards Card*

Type	Annual Percentage Rate (as low as)
Non-Variable Rates:	9.25%

New Vehicles 2025 & Newer*

Type	Annual Percentage Rate (as low as)	Approximate Repayment Period (months)	Approximate Payment Per Thousand Dollars
Fixed Rates:	4.99%	63 months	$18.08
	5.24%	75 months	$15.67
	5.74%	84 months	$14.49
	5.99%	90 months	$13.83

Used Vehicles 2021 to 2024*

Type	Annual Percentage Rate (as low as)	Approximate Repayment Period (months)	Approximate Payment Per Thousand Dollars
Fixed Rates:	5.24%	63 months	$18.20
	5.49%	75 months	$15.79
	5.99%	84 months	$14.61

Used Vehicles 2016-2020*

Type	Annual Percentage Rate (as low as)	Approximate Repayment Period (months)	Approximate Payment Per Thousand Dollars
Fixed Rates:	5.74%	63 months	$18.43
	5.99%	75 months	$16.03
	6.49%	84 months	$14.85

Used Vehicles (2015 & Older, Higher Mileage & Classic Vehicles)*

Type	Annual Percentage Rate (as low as)	Approximate Repayment Period (months)	Approximate Payment Per Thousand Dollars
Fixed Rates:	6.24%	63 months	$18.66

 New Motorcycle/ATV/UTV/Jet Ski Loans*

Type	Annual Percentage Rate (as low as)	Approximate Repayment Period (months)	Approximate Payment Per Thousand Dollars
Fixed Rates:	8.99%	60 months	$20.76
	9.24%	72 months	$18.15

 Used Motorcycle/ATV/UTV/Jet Ski Loans*

Type	Annual Percentage Rate (as low as)	Approximate Repayment Period (months)	Approximate Payment Per Thousand Dollars
Fixed Rates:	9.49%	60 months	$21.01
	9.74%	72 months	$18.40

 New Boat, Recreational Vehicle (RV), and Fifth Wheel Loans*

Type	Annual Percentage Rate (as low as)	Approximate Repayment Period (months)	Approximate Payment Per Thousand Dollars
Fixed Rates:	7.99%	60 months	$20.28
	8.24%	84 months	$15.71
	8.49%	120 months	$12.40

Used Boat, Recreational Vehicle (RV), and Fifth Wheel Loans*

Type	Annual Percentage Rate (as low as)	Approximate Repayment Period (months)	Approximate Payment Per Thousand Dollars
Fixed Rates:	8.49%	60 months	$20.52
	8.74%	84 months	$15.97
	8.99%	120 months	$12.67

First Mortgages*

Type	Annual Percentage Rate (as low as)
Fixed Rates:	Contact our mortgage department for details

Fixed Rate Residential Land Loans*

Type	Annual Percentage Rate (as low as)
Up to 70% CLTV:	6.50%

Fixed Rate 2nd Mortgages*

Type	Annual Percentage Rate (as low as)
Up to 80% CLTV:	7.50%
Over 80% CLTV:	8.00%

HELOCs*

Type	Annual Percentage Rate (as low as)
Variable Rates - Up to 80% CLTV:	7.50%

Home Improvement Loans*

Type	Annual Percentage Rate (as low as)
Fixed Rates:	7.75%

*The Federal Equal Credit Opportunity Act prohibits credit unions from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age, or because all or part of the applicant's income derives from any public assistance program. All rates shown are the credit union's lowest possible rates for well qualified borrowers. Rates may be higher after underwriting criteria has been reviewed.

For Visa Rewards Card: On approval of credit, standard underwriting terms and conditions apply.

For all vehicle, boat, RV, Motorcycle/ATV, Fifth Wheel Loans: Minimum loan amounts may apply. Rates, terms, and loan-to-value requirements may vary based on type of collateral, age of collateral, and mileage. 

For First Mortgages, Fixed Rate 2nd Mortgages, and Home Improvement Loans: Rates, terms, and loan-to-value requirements may vary based on creditworthiness, loan amount, loan term, debt-to-income ratio, and other underwriting criteria. Additional terms, conditions, fees, and charges may apply. NMLS #170345. 

For HELOCS: Rates, terms, and loan-to-value requirements may vary based on creditworthiness, loan amount, loan term, debt-to-income ratio, and other underwriting criteria. Additional terms, conditions, fees, and charges may apply. Variable rates are tied to Wall Street Journal Prime (WSJP) and a margin. NMLS #170345.