Loan Rates

Rates effective October 5, 2023. Rates and terms are subject to change without notice.

Auto Loans - Cars, Trucks, and SUVs

New or Late Model Vehicles
Repayment TermRates as Low As*
Up to 24 Months5.75%
25 to 36 Months5.75%
37 to 48 Months5.99%
49 to 60 Months6.23%
61 to 72 Months6.50%
73 to 84 Months6.79%
Used Cars and Trucks
Repayment TermRates as Low As*
Up to 12 Months6.49%
13 to 24 Months6.49%
25 to 36 Months6.49%
37 to 48 Months6.73%
49 to 60 Months6.97%
61 to 72 Months7.24%

Home Loans

Mortgage TypeRates as Low As*
ConventionalRates change daily
FHARates change daily
VARates change daily
7/1 Hybrid In-House6.38%
USDA, A-Minus, HomePossible, Balloon/Reset, Construction, and MoreCall for information
Home Improvement Loans
Repayment TermRates as Low As*
Up to 36 Months8.05%
37 to 48 Months8.29%
49 to 60 Months8.53%
61 to 72 Months8.80%
73 to 84 Months9.09%
85 to 120 Months9.675%

Home Equity Lines of Credit (HELOCs)

Up to 180 Months: 8.200%*

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

Dwelling-Secured Loans up to 20 Years: Contact Us for Availability

Personal Loans

Credit Card

VISA Classic Credit Card: 12.20%*

Credit Line

Line of Credit - May be attached to checking account (optional): 12.45%*

Signature Plus Loans & Cosigner Loans
Repayment TermRates as Low As*
Up to 12 Months9.09%
13 to 24 Months9.19%
25 to 36 Months9.19%
37 to 48 Months9.43%
49 to 60 Months9.67%
61 to 72 Months9.94%

Immigration Loans

Same as above (Signature Loans).

Credit Builder Loans & Share-Secured Loans
Repayment TermRates as Low As*
Up to 36 Months3.95%
Up to to 240 Months3.95% and up**

** 3.95% above the rate paid on the account used as security

Business Loans, Investor & Commercial Mortgages

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 8.38%* - 15.50%*

*Annual Percentage Rate (APR). Interest rates are as of 10/5/2023 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.