Loan Rates
Relationship Pricing on Home Equity, signature, auto, & motorcycle loans
Your relationship is important to us, so you can receive an additional 0.25% off any posted loan rate (up to 1.25%) for EACH of the following utilized services or qualifications:
Checking account
Payroll deduction or automatic payments
Credit Card
Legacy Members: age 60 and up
Member Loyalty: 10 or more years of membership
We want to thank you for using our products and services, so please take advantage of relationship pricing! Through this member loyalty program, you're able to get a lower loan rate, save money, and create a brighter future for you and your family! You can see the rates listed below with and without our relationship pricing.
Home Equity
| Term | First Lien Rate* | Est. Pmt./$10,000 borrowed ** | Relationship Pricing Discount Rate | Est. Pmt./$10,000 borrowed ** |
|---|---|---|---|---|
| Up to 5 years | as low as 6.25% | $194.49 | as low as 5.00% | $188.71 |
| Up to 10 years | as low as 6.35% | $112.79 | as low as 5.10% | $106.55 |
| Up to 15 years | as low as 6.45% | $86.84 | as low as 5.20% | $80.13 |
| Up to 20 years | as low as 6.84% | $76.57 | as low as 5.59% | $69.30 |
2nd lien options also available; for rates, see a representative. (Note: Estimated payment excludes taxes and insurance. Your payment may be higher.)
Signature Loans
| Loan Type | APR* | Relationship Pricing Discount Rate |
|---|---|---|
| Personal Loan | As low as 9.49% | As low as 8.24% APR* |
Auto Loans
| Loan Type | APR* | Relationship Pricing Discount Rate |
|---|---|---|
| New Auto | as low as 4.49% | as low as 3.24% APR* |
| Used Auto | as low as 5.49% | as low as 4.24% APR* |
Rate is based on vehicles that are 5 model years or newer with less than 150,000 miles. Rate is subject to change if the vehicle falls outside of these guidelines, or if the vehicle has a rebuilt title.
Motorcycle Loans
| Loan Type | APR* | Relationship Pricing Discount Rate |
|---|---|---|
| New Motorcycle | as low as 5.99% | as low as 4.74% APR* |
| Used Motorcycle | as low as 6.99% | as low as 5.74% APR* |
Other rates and terms available.
Credit Cards
| Loan Type*** | APR* |
|---|---|
| Platinum Credit Card | As low as 9.49% |
| Credit Builder Credit Card | As low as 9.99% |
| Student Credit Card | As low as 7.99% |
Share Secured
| Loan Type | APR* |
|---|---|
| Share Secured | 6.50% |
PAL Loan
| Loan Type | APR* |
|---|---|
| PAL | 18.00% |
* Application subject to approval. All loans subject to normal underwriting guidelines. Rates and terms shown may change without prior notice; additional rates and terms may be available. Contact the Credit Union for the most current rates. Rates effective as of 10/01/2025.
** APR shown for well-qualified members. APR is based on credit; your rate and payment may vary. Payment example excludes taxes and insurance. Actual payments may be higher. Property insurance required for life of loan; flood insurance my be required. Second lien position loans also available, contact the Credit Union for rates.
*** Credit Cards: Cardholders are subject to a foreign transaction fee for any transaction completed by any means with a person or business located outside of the U. S. including transactions effected while the cardholder is physically in the U. S. at the time of the transaction.
+Home Equity Line of Credit: Some fees to open may apply, will vary based on property and location and could range from $607.00-$1,123.00. Property insurance may be required. Variable rate is based on Wall Street Journal Prime Rate. The maximum variable rate that may be imposed is 18%.