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Loan Rates
Rates effective August 31, 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 | 3.39 |
25 to 36 Months | 3.39 |
37 to 48 Months | 3.39 |
49 to 60 Months | 3.39 |
61 to 72 Months | 3.52 |
73 to 84 Months | 3.77 |
Used Cars and Trucks**
Repayment Term | Rates as Low As* |
Up to 12 Months | 3.28 |
13 to 24 Months | 4.39 |
25 to 36 Months | 4.39 |
37 to 48 Months | 4.39 |
49 to 60 Months | 4.39 |
61 to 72 Months | 4.52 |
Auto Equity Loans
Repayment Term | Rates as Low As* |
Up to 36 Months | 4.08 |
37 to 48 Months | 4.08 |
49 to 60 Months | 4.08 |
61 to 72 Months | 4.21 |
73 to 84 Months | 4.46 |
85 to 120 Months | 4.46 |
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 | 5.25 |
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%* Contact Us for Availability
Home Improvement Loans
Repayment Term | Rates as Low As* |
Up to 36 Months | 4.08 |
37 to 48 Months | 4.08 |
49 to 60 Months | 4.08 |
61 to 72 Months | 4.21 |
73 to 84 Months | 4.46 |
85 to 120 Months | 4.46 |
Home Equity Lines of Credit (HELOCs)
Up to 180 Months: 5.200*
Personal Loans
Apply - Credit Cards |
Apply - Other Personal Loans |
Credit Card
VISA Classic Credit Card: 9.25*
Credit Line
Line of Credit - May be attached to checking account (optional) : 9.25*
Personal Loans with Collateral
Repayment Term | Rates as Low As* |
Up to 12 Months | 4.04 |
13 to 24 Months | 4.39 |
25 to 36 Months | 4.39 |
37 to 48 Months | 4.39 |
49 to 60 Months | 4.39 |
61 to 72 Months | 4.52 |
Signature Loans (Unsecured) & Cosigner Loans
Repayment Term | Rates as Low As* |
Up to 12 Months | 7.79 |
12 to 24 Months | 7.89 |
25 to 36 Months | 7.89 |
37 to 48 Months | 7.89 |
49 to 60 Months | 7.89 |
61 to 72 Months | 8.02 |
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, Investor Mortgages & 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 6.50%* - 12.50%*
*Annual Percentage Rate (APR). Interest rates are as of 8/31/2022 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.