Effective 04/15/2022

Auto Loans
Term in Months
APR* By Model Year 36 48 60 72 78 84
2015-2023 Models 2.24%T 2.89%1 2.89%1 2.89%1 3.24%1 3.24%1
2006-2014 Models 3.60% 3.60%1 3.60%1 3.60%1 3.80%1 NA
20032-2005 Models 4.94% 5.94% NA NA NA NA
1-Members with excellent credit history may qualify for a 0.25% APR discount, on select loan terms, for opening a Global credit card (OAC).
2-Financing available for older model years. Terms and conditions apply.
T-Includes a .25% discount for opening a new Credit Card. See 1.
Limited financing is available for salvage/rebuilt titles. Terms and conditions apply.

Example of repayment schedule: Loan of $5,000.00 at 2.24%APR for 36 months will have an estimated monthly payment of $143.74

 
Boat/RV1
Term in Months
APR* By Model year 60 84 120 144 1803
2021-2023 Models 4.24% 4.24% 4.49% 4.49% 4.74%
2012-2020 Models 4.74% 4.99% 5.38% 5.48% 5.73%
20022-2011 Models 8.29% 8.49% NA NA NA
1-"RV" includes but is not limited to: Motor Homes, Fifth Wheels, Campers, and Travel Trailers.
2- Financing available for older model years. Terms and conditions apply.
3- If financing more than $75,000 at 180 months a 10% down payment required

Example of repayment schedule: Loan of $5000 at 4.24% APR for 60 months will have an estimated monthly payment of $92.63
 
Motorcycles, Jet Skis, ATVs, Snowmobiles, Etc.
Term in Months
APR* By Model Year 24 36 48 60 72
2021-2023 Models 4.74% 4.99% 5.24% 5.50% 5.99%
20061-2020 Models 5.49% 5.75% 5.99% 5.99% 6.59%
1-Financing available for older models. Terms and conditions apply.
Example of repayment schedule: Loan of $5000 at 4.74% APR for 24 months will have an estimated monthly payment of $218.78


All rates shown above are "as low as" for members with best credit history. Your rate will be determined at time of approval based on your credit qualifications, collateral, and amount financed.
 
Personal and Secured Loans
Loan Type Terms and Guidelines APR*
Personal Line of Credit Minimum payment $50 or 3% of owing balance, whichever is greater. $15 annual fee. Variable rate based on Prime Rate +4%, minimum rate of 10.00%. 10.00%
Signature Loan Minimum payment $50, terms available up to 60 months. Rate and term determined by amount financed. 10.25% - 11.25%
Share Secured Loan Minimum payment $50, max term 120 months. Variable rate based on Share APR* +2%, minimum rate of 5%. 5.00%
Certificate Secured Loan Maximum term determined by term of Certificate. Variable rate based on Certificate APR* +2%, minimum rate of 5%. Payment due in full at time of maturity, renewable as allowed by Certificate. 5.00%

Example of repayment schedule: Loan of $5000 at 12.5% APR for 48 months will have an estimated monthly payment of $127.41

Credit Cards
Visa Platinum Visa Gold Visa Classic MasterCard
APR* 8.90% 9.90% 13.92% 15.96%
Minimum Finance Charge $0
Balance Transfer Fee $0
Grace Period1 10 Days
Cash Advance Fee $0
Annual Fee $20 None $12 $18

1-Late Fee of $25.00 or the amount of the required minimum payment, whichever is less, is applied on the 11th calendar day following the due date.
In the event you fail to make a payment on time in any of the 6 billing cycles following the violation you will be charged $35.00 or the amount of the required minimum payment, whichever is less.

Minimum monthly payment $20 or 3% of owing balance at time of most recent statement, whichever is greater.


*APR = Annual Percentage Rate. Some restrictions may apply. Contact your local branch for more details.

Federally insured by NCUA. All loans OAC. Equal Opportunity Lender.