Loan Rates

 

Rates effective March 25, 2022. Rates and terms are subject to change without notice. 

---

Auto Loans - Cars, Trucks, and Recreational Vehicles

Apply - Autos

New or Late Model Vehicles

Repayment Term	Rates as Low As*
Up to 24 Months	1.97
25 to 36 Months	2.51
37 to 48 Months	2.55
49 to 60 Months	2.59
61 to 72 Months	2.63
73 to 84 Months	2.67

Used Cars and Trucks**

Repayment Term	Rates as Low As*
Up to 12 Months	2.68
13 to 24 Months	2.84
25 to 36 Months	3.03
37 to 48 Months	3.07
49 to 60 Months	3.11
61 to 72 Months	3.15

Auto Equity Loans

Repayment Term	Rates as Low As*
Up to 36 Months	2.51
37 to 48 Months	2.55
49 to 60 Months	2.59
61 to 72 Months	2.63
73 to 84 Months	2.67
85 to 120 Months	2.92

---

Home Loans

Apply - Homes

Apply - Manufactured Homes

Mortgages

Mortgage Type	Rates as Low As*
Conventional	Rates change daily
FHA	Rates change daily
VA	Rates change daily
5/1 Hybrid In-House	3.750
Escrow Account Loan	4.95
USDA, 7/1 Hybrid, A-Minus, HomePossible, Balloon/Reset, Construction, and More	Call for information

Manufactured Home Loans in Resident Owned Communities (Designated ROC-USA Communities)

Dwelling-Secured Loans up to 20 Years: 7.75*
 

Home Improvement Loans

Repayment Term	Rates as Low As*
Up to 36 Months	3.09
37 to 48 Months	3.92
49 to 60 Months	3.96
61 to 72 Months	4.00
73 to 84 Months	4.04
85 to 120 Months	4.04

Home Equity Lines of Credit (HELOCs)

Up to 180 Months: 3.200*

---

Personal Loans

Apply - Credit Cards

Apply - Other Personal Loans

Credit Card

VISA Classic Credit Card: 7.70*

Credit Line

Line of Credit - May be attached to checking account (optional) : 8.49*

Signature Loans (Unsecured) & Cosigner Loans

Repayment Term	Rates as Low As*
Up to 12 Months	6.88
12 to 24 Months	7.58
25 to 36 Months	7.77
37 to 48 Months	7.81
49 to 60 Months	7.85
61 to 72 Months	7.89

Immigration Loans

Same as above - Signature Loans

Credit Builder Loans & Share-Secured Loans

Repayment Term	Rates as Low As*
Up to 36 Months	3.95
Up to to 240 Months	3.95

---

Business Loans & Commercial Mortgages

Apply - Businesses

A wide range of loans are available for small local businesses, including start-ups, home-based businesses, responsible real estate investors, nonprofits, cooperatives, contractors, self-employed individuals and more. Loans for equipment, working capital, tools, trucks, furnishings, bridge financing, real estate (commercial, residential, mixed) and more.

Rates depend on loan type, risk level, and collateral: As low as 4.50%* - 10.50%

---

 

*Annual Percentage Rate (APR). Interest rates are as of 3/25/2022 and are subject to change without notice. Annual Percentage Rates and terms for all loans are determined by the member's overall credit rating, payment method, length of loan, down payment and collateral and are available as long as stated. Any offer is subject to application & credit approval and collateral valuation. View our rate poster for additional details including Vehicle Adds Ons and Maximum Loan Amount.

Credit Incentive Program applies to most loans listed above.