IMPORTANT UPDATE 5/30/2020: Virtual Branch continues to experience intermittent issues today. The login window or login page may have difficulty or slow response time loading, or you may receive a message similar to "we are unable to validate your information". Please wait a few minutes and try our site again. Our mobile app is available, so we encourage members to access their accounts via the mobile app at this time, if possible. Please know our technical team is working as quickly as possible to resolve these issues. We know how important member access to online banking is at these difficult times and we appreciate your patience.

REMINDERS: As of April 15, 2020, our drive-up teller windows will remain open, however, lobby access will be restricted. Please refer to the important update article posted in our website News & Events section. Additional information is also located in our NEWS section regarding the postponement of our Annual Meeting.

Loan Rates

As of March 20, 2020

Rates subject to change without notice.

Prime as of January 1, 2020: 4.75%

Current Prime Rate: 3.25%

New Auto / RV (Model Years 2016-2020 - Purchase Or Refinance)

Term of Loan Annual Percentage Rate
24 months 1.49% - 6.99%
36 months 1.79% - 7.29%
48 months 1.99% - 7.49%
60 months 2.19% - 7.69%
72 months ($15,000 min.) 2.49% - 7.99%
84 months ($15,000 min.)3.19% - 8.69%
73-144 months (New RV only) 4.99% - 10.49%
New Sport or Water Craft Add 0.75% to New Auto Rates

Used Auto / RV (Model Years 2012-2015 - Purchase or Refinance)

Term of Loan Annual Percentage Rate
24 months 2.49% - 7.99%
36 months 2.79% - 8.29%
48 months 2.89% - 8.39%
60 months ($15,000 min.) 2.99% - 8.49%
72 months ($15,000 min.) 4.99% - 10.49%
73-84 months (Used RV/Boat only) 4.99% - 10.49%
Used Sport or Water Craft (2012-15) Add 0.75% to Used Auto Rates (2012-15)

Used Auto / RV (Model Years 2011 and Earlier - Purchase Or Refinance)

*Models older than 2011 to be reviewed*

Term of Loan Annual Percentage Rate
24 months 5.99% - 10.99%
36 months 5.99% - 11.49%
48 months 6.24% - 11.74%
60 months ($15,000 min.) 6.49% - 11.99%
Used Sport or Water Craft (2011 & Earlier) Add 0.75% to Used Auto Rates (2011 & Earlier)

Signature Loan

Term of Loan Annual Percentage Rate
12 months 6.49% - 11.99%
18 months 6.49% - 11.99%
24 months6.49% - 11.99%
36 months 6.74% - 12.24%
48 months 6.74% - 12.24%
60 months 6.99% - 12.49%

Share Secured / Certificate Secured Loan

Term of Loan Annual Percentage Rate
Varies 2.00% above the security rate

Home Improvement Loan

Term of Loan Annual Percentage Rate
36 months 4.99% - 10.49%
48 months 5.49% - 10.99%
60 months 6.49% - 11.99%
120 months 7.49% - 12.99%

Higher Education Loan

Term of Loan Annual Percentage Rate
6 months 3.49% - 8.99%
12 months 3.999% - 9.49%
36 months 4.49% - 9.99%
48 months 5.49% - 10.99%

Members Choice Home Equity Line of Credit - Up To 83% LTV

Term of Loan Annual Percentage Rate
Line of Credit 12 Month Introductory Rate 2.50% then Prime* (rate floor of 4.00%)

Introductory and Standard Rates will vary based on creditworthiness

Members Choice Home Equity Line of Credit - Up To 95% LTV

Term of Loan Annual Percentage Rate
Line of Credit 12 Month Introductory Rate 4.25% then Prime* + 1.25% (rate floor of 5.25%)

Introductory and Standard Rates will vary based on creditworthiness

Fixed Rate Home Equity - Up To 50% LTV

Term of Loan Annual Percentage Rate
Up to 10 years 2.89% - 8.39%

Fixed Rate Home Equity - Up To 83% LTV

Term of Loan Annual Percentage Rate
5 years 2.74%- 8.24%
10 years 2.99% - 8.49%
15 years 3.74% - 9.24%
20 years 4.49% - 9.99%

Fixed Rate Home Equity - Up To 95% LTV

Term of Loan Annual Percentage Rate
5 years 4.24% - 5.74%
10 years 4.74% - 6.24%
15 years 4.99% - 6.49%

Visa Gold Credit Card

Prime + 5.00% Variable APR**

Currently 9.75% APR** Adjusting to 8.25% APR** as of 4/29/2020.

Introductory Rate of 6.90% APR** for 6 months.

Visa Classic Credit Card

Prime + 6.40% Variable APR**
Currently 11.15% APR** Adjusting to 9.65% APR** as of 4/29/2020.
Introductory Rate of 8.90% APR** for 6 months.

Overdraft Protection

Term of Loan Annual Percentage Rate
$48 / Month if a balance is present

Prime + 10.00% Variable APR*, Currently 14.75% APR*

All rates subject to change without notice. Rates will vary based on credit rating and term selected.

* APR=Annual Percentage Rate. Prime rate on home equity lines of Credit and Overdraft Lines of Credit adjust semi-annually effective for January and July.

**APR=Annual Percentage Rate. Visa Credit Card Rates adjust quarterly based on changes to Prime.

Co-Op Shared Branch

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Capital Financial Planning LLC

Your source for investment advice, financial plans, wealth management and investment advisory services.

Member Cellular Discounts with Sprint

Sprint Discount

Talk about savings! Say hello to the Sprint credit union member discount program.

Foreign Currency

Traveling out of the country? Order your foreign currency ahead of time with eZforex.

Everything Automotive

Providing you information, data and inventory for your next car search.

Learning Center

Browse resources, links and information to help you manage your finances.