Loan Rates

As of September 22, 2022

Rates subject to change without notice.

Current Prime Rate: 6.25%

New Auto (Model Years 2017-2023 - Purchase Or Refinance)

Term of Loan Annual Percentage Rate
24 months 2.69% - 14.19%
36 months 2.79% - 14.29%
48 months 2.89% - 14.39%
60 months 2.99% - 14.49%
72 months 3.19% - 14.69%
84 months (Brand New Only) 4.19% - 15.69%

Used Auto (Model Years 2013-2016 - Purchase or Refinance)

Term of Loan Annual Percentage Rate
24 months 3.69% - 15.19%
36 months 3.79% - 15.29%
48 months 3.89% - 15.39%
60 months 3.99% - 15.49%
72 months 4.19% - 15.69%

Used Auto (Model Years 2012 and Older - Purchase Or Refinance)

*Models older than 2012 to be reviewed*

Term of Loan Annual Percentage Rate
24 months 6.69% - 15.19%
36 months 6.79% - 15.29%
48 months 6.89% - 15.39%
60 months 6.99% - 15.49%

New RV or Boat (Model Years 2017-2023 - Purchase Or Refinance)

Term of Loan Annual Percentage Rate
24 months 3.49% - 11.99%
36 months 3.74% - 12.24%
48 months 3.99% - 12.49%
60 months 4.24% - 12.74%
72 months 4.49% - 12.99%
84 months 4.74% - 13.24%
96 months (Brand New Only) 4.99% - 11.49%
120 months (Brand New Only) 5.49% - 11.99%
180 months (Brand New Only) 5.99% - 12.49%

For other sportcraft, add 2.00% to posted rate (Dirtbike, ATV, Jetski, Snowmobile, etc.)

Used RV or Boat (Model Years 2013-2016 - Purchase or Refinance)

Term of Loan Annual Percentage Rate
24 months 4.49% - 12.99%
36 months4.74% - 13.24%
48 months 4.99% - 13.49%
60 months 5.24% - 13.74%
72 months 5.49% - 13.99%
84 months 5.74% - 14.24%

For other sportcraft, add 2.00% to posted rate (Dirtbike, ATV, Jetski, Snowmobile, etc.)

Used RV or Boat (Model Years 2012 and Older - Purchase Or Refinance)

*Models older than 2012 to be reviewed*

Term of Loan Annual Percentage Rate
24 months 7.49% - 15.99%
36 months7.74% - 16.24%
48 months 7.99% - 16.49%
60 months8.24% - 16.74%

For other sportcraft, add 2.00% to posted rate (Dirtbike, ATV, Jetski, Snowmobile, etc.)

Signature Loan

Term of Loan Annual Percentage Rate
12 months 6.24% - 14.74%
18 months 6.49% - 14.99%
24 months 6.74% - 15.24%
36 months 6.99% - 15.49%
48 months 7.24% - 15.74%
60 months 7.49% - 15.99%
72 months8.49% - 11.49%

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 6.74% - 15.24%
48 months 6.99% - 15.49%
60 months 7.49% - 15.99%
72 months 8.49% - 11.49%
120 months 8.74% - 11.74%

Higher Education Loan

Term of Loan Annual Percentage Rate
12 months 5.74% - 14.24%
18 months5.99% - 14.49%
24 months 6.24% - 14.74%
36 months 6.49% - 14.99%
48 months6.74% - 15.24%
60 months 6.99% - 15.49%

Members Choice Home Equity Line of Credit - Up To 70% LTV 1st Lien or 50% LTV 2nd Lien

Term of Loan Annual Percentage Rate
Line of Credit 12 Month Introductory Rate 1.99% APR* then Prime*-0.50%
Rate floor of 2.75%
Introductory and Standard Rates will vary based on creditworthiness

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

Term of Loan Annual Percentage Rate
Line of Credit 12 Month Introductory Rate 2.49% APR* 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 3.74% APR* then Prime* + 1.25%
Rate floor of 5.25%
Introductory and Standard Rates will vary based on creditworthiness

Low LTV Fixed Rate Home Equity - Up To 70% LTV (1st Lien) or Up To 50% (2nd Lien)

Term of Loan Annual Percentage Rate
5 years 2.99% - 4.74%
10 years 3.24% - 4.99%
15 years 3.49% - 5.24%
Up to 20 years 3.99% - 5.74%

Fixed Rate Home Equity - Up To 83% LTV

Term of Loan Annual Percentage Rate
5 years 3.49%- 4.99%
10 years 3.74% - 5.24%
15 years 3.99% - 5.49%
20 years 4.49% - 5.99%

Fixed Rate Home Equity - Up To 95% LTV

Term of Loan Annual Percentage Rate
5 years 4.74% - 6.49%
10 years 4.99% - 6.74%
15 years 5.24% - 6.99%
20 years 5.74% - 7.49%

Visa Gold Credit Card

Prime + 5.00% Variable APR**
Currently 8.25% APR** - new rate effective 9/29/2022 will be 10.50% APR**
Introductory Rate of 6.90% APR** for 6 months

Visa Classic Credit Card

Prime + 6.40% Variable APR**
Currently 9.65% APR** - new rate effective 9/29/2022 will be 11.90% APR**
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.

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