Lending Rates
From small personal loans to large vehicle loans, our rates are always low and competitive so you can afford to borrow what you need.
| New Autos† |
APR* |
Max Term |
| up to 72 months |
1.99% - 9.49% |
72 months |
| 73-84 months*** |
2.99% - 10.49% |
84 months |
Effective Mar 16, 2020
†Rates based on individual credit, age of vehicle, terms of loan and repayment method.
*APR = Annual Percentage Rate. Rates listed are as low as.
***Amount financed must exceed $20,000.
Rates could increase by 3% if the vehicle is older than 7 years.
| Used Autos† |
APR* |
Max Term |
| up to 72 months |
1.99% - 9.49% |
72 months |
| 73-84 months*** |
2.99% - 10.49% |
84 months |
Effective Mar 16, 2020
†Rates based on individual credit, age of vehicle, terms of loan and repayment method.
*APR = Annual Percentage Rate. Rates listed are as low as.
***Amount financed must exceed $20,000.
Rates could increase by 3% if the vehicle is older than 7 years.
| Natural Gas Vehicles† |
APR* |
MAX TERM |
| Home Filling Station |
6.99% |
60 months |
| EPA Qualified Conversion System |
1.99% |
84 months |
Effective Jan 24, 2019
†Rates based on individual credit, age of vehicle, terms of loan and repayment method.
*APR = Annual Percentage Rate. Rates listed are as low as and based on repayment method.
| New RVs† |
APR* |
Max Term |
| Up to 72 months |
2.99% - 11.49% |
72 months |
| 73-84 months** |
3.99% - 9.49% |
84 months |
| 85-120 months*** |
4.99% - 8.49% |
120 months |
Effective Mar 16, 2020
†Rates based on individual credit, age of vehicle, terms of loan and repayment method.
*APR = Annual Percentage Rate. Rates listed are as low as.
**Amount financed must exceed $25,000.
***Amount financed must exceed $35,000.
| Used RVs† |
APR* |
Max Term |
| Up to 72 months |
2.99% - 11.49% |
72 months |
| 73-84 months** |
3.99% - 9.49% |
84 months |
| 85-120 months*** |
4.99% - 8.49% |
120 months |
Effective Mar 16, 2020
†Rates based on individual credit, age of vehicle, terms of loan and repayment method.
*APR = Annual Percentage Rate. Rates listed are as low as.
**Amount financed must exceed $25,000.
***Amount financed must exceed $35,000.
| Mastercard |
Detail |
| APR* on Purchases |
9.90% |
| APR* on Cash Advance |
9.90% |
| Annual Fee |
None |
| Late Payment Fee |
$15 |
| Credit Card Replacement Fee |
$10 |
| Credit Card Rush Delivery |
Cost to CU |
| Over the Credit Limit Fee |
$10 |
| Delinquent Account APR* |
15.99% |
| Grace Period |
25 Days |
Effective Mar 16, 2020
Finance Charges will apply to unpaid balances and are computed based on Average Daily Balance.
*APR = Annual Percentage Rate.
| Personal Loans & Lines of Credit† |
APR* |
Max Term |
| Personal Loan |
8.99% - 13.49% |
84 months |
| Overdraft Line of Credit |
8.99% - 13.49% |
Revolving†† |
| Line of Credit |
8.99% - 13.49% |
Revolving†† |
Effective Mar 16, 2020
†Rates based on individual credit and repayment method. Limits based on income.†Rates based on individual credit, age of vehicle, terms of loan and repayment method.
*APR = Annual Percentage Rate. Rates listed are as low as.
††Maximum term and monthly payment based upon balance owed.
| Loan Purpose |
APR* |
Max Term |
| Holiday** |
15.00% |
10 months |
Effective Jan 24, 2019
*APR = Annual Percentage Rate. Rates listed are as low as and based on repayment method.
**Loan limit based on individual credit. Loans available October 1 – January 31.
| Secured Loans |
APR* |
Max Term |
| Share Secured |
Share Rate + 3.00% |
72 months |
| Certificate Secured |
Certificate Rate + 3.00% |
60 months |
Effective Jan 24, 2019
*APR = Annual Percentage Rate.
| Special Secured Loans |
APR* |
MAX TERM |
| Up to 72 months |
3.99% - 12.49% |
72 months |
| 73-84 months** |
4.99% - 10.49% |
84 months |
| 85-120 months*** |
5.99% - 9.49% |
120 months |
Effective Jan 24, 2019
*APR = Annual Percentage Rate. Rates listed are as low as and based on repayment method.
**Amount financed must exceed $25,000.
***Amount financed must exceed $35,000.
| Home Equity Line of Credit |
APR* |
Term |
| Up to 95% Home Value |
5.00% |
180 months |
Effective Mar 16, 2020
*APR = Annual Percentage Rate. Rates listed are as low as and based on applicant’s credit history. Variable rate based on Prime Rate. Lowest possible APR is 5.00%.
