Loan Rates
All excess proceeds go back to members in the form of better, more affordable products and services, including better rates!
New/Used Auto 2023-2020 Loan Rates
Effective Aug 8, 2022
| Term | Loan Amount | APR* as low as |
|---|---|---|
| 0-36 Months | Any | 3.25% |
| 37-48 Months | Any | 3.75% |
| 49-60 Months | Any | 4.00% |
| 61-72 Months | Any | 4.25% |
| 73-84 Months | Over $28,000 | 4.75% |
*APR = Annual Percentage Rate. Actual APR based on credit worthiness.
Used Auto Loan Rates
Effective Aug 8, 2022
| Years | Term | APR* as low as |
|---|---|---|
| 2019-2015 | Up to 48 Months | 5.50% |
| 2018-2014 | 49-60 Months | 5.75% |
| 2019-2015 | 61-72 Months | 6.00% |
| 2019-2015 | 73-84 Months | 6.75% |
| 2014 and older with less than 150,000 miles | Up to 36 Months | 8.00% |
| 2014 and older with less than 150,000 miles | 37 to 48 Months | 8.00% |
| 2014 and older with less than 150,000 miles | 49-60 Months | 8.00% |
*APR = Annual Percentage Rate. Actual APR based on credit worthiness.
Visa Credit Card Rates
Effective Jun 1, 2020
| Transaction Type | Fixed APR* |
|---|---|
| Purchases | 7.99% - 18.00% |
| Cash Advance | 7.99% - 18.00% |
| Balance Transfer | 5.99% - 18.00% |
*APR = Annual Percentage Rate. Actual APR based on credit worthiness. View full Visa Credit Card terms.
Signature Loan Rates
Effective Aug 8, 2022
| Term | APR* as low as |
|---|---|
| Up to 24 Months | 7.50%** |
| Up to 36 Months | 8.50% |
| Up to 48 Months | 9.50% |
| Up to 60 Months | 10.50% |
*APR = Annual Percentage Rate. Actual APR based on credit worthiness.**Rate requires Direct Deposit.
Overdraft Line of Credit Rates
Effective Sep 24, 2022
| Term | APR* |
|---|---|
| Up to 12 Months | 18.00% |
*APR = Annual Percentage Rate. Actual APR based on credit worthiness.
Share-Secured Loan Rates
Effective Jun 1, 2020
| Term | APR* |
|---|---|
| Up to 120 Months | 4.00% |
*APR = Annual Percentage Rate. Actual APR based on credit worthiness.
Payday Alternative Loan Rates
Effective Sep 24, 2022
| Term | APR* | Amount |
|---|---|---|
| Up to 12 Months | 28.00% | Up to $2,000 |
| 1-6 Months | 28.00% | $200 to $1,000 |
*APR = Annual Percentage Rate. Actual APR based on credit worthiness.
Home Equity Rates
Effective Aug 8, 2022
| Loan Type | Term | APR* as low as |
|---|---|---|
| Variable Rate Line of Credit (HELOC) 80% LTV | 5 Year Draw, 10 Year Payoff | Prime +0% |
| Variable Rate Line of Credit (HELOC) 81-100% LTV | 5 Year Draw, 10 Year Payoff | Prime +1.5% |
| Fixed Rate Second Mortgage 80% LTV | 5 Years | 5.00% |
| Fixed Rate Second Mortgage 80% LTV | 7 Years | 5.25% |
| Fixed Rate Second Mortgage 80% LTV | 10 Years | 5.50% |
| Fixed Rate Second Mortgage 81-100% LTV | 5 Years | 6.50% |
| Fixed Rate Second Mortgage 81-100% LTV | 7 Years | 6.75% |
| Fixed Rate Second Mortgage 81-100% LTV | 10 Years | 7.00% |
| Retire Your First Mortgage (First Lien Fixed Rate) | 15 Years | 5.50% |
*APR = Annual Percentage Rate. Actual APR based on credit worthiness.
First Mortgage Rates
For current rates, full details and to apply, please contact our partner State Financial Network NMLS#1020012 at 800-426-7140.
