As of December 20, 2018
Rates subject to change without notice.
Prime Rate: 5.50%
|
New Auto / RV (Model Years 2017 - 2019 Purchase Or Refinance) |
|
|---|---|
| Term of Loan | Annual Percentage Rate |
| 24 months | 2.49% - 7.99% |
| 36 months | 2.99% - 8.49% |
| 48 months | 3.49% - 8.99% |
| 60 months | 3.99% - 9.49% |
| 72 months ($15,000 min.) | 4.24% - 9.74% |
| 84 months ($15,000 min.) | 4.99% - 10.49% |
| 72-144 months (New RV only) | 5.99% - 11.49% |
| New Sport or Water Craft | Add 0.75% to New Auto Rates |
Used Auto / RV (Model Years 2012-2016 Purchase or Refinance) |
|
| Term of Loan | Annual Percentage Rate |
| 24 months | 2.99% - 8.49% |
| 36 months | 3.49% - 8.99% |
| 48 months | 3.99% - 9.49% |
| 60 months ($15,000 min.) | 4.49% - 9.99% |
| 72 months ($15,000 min.) | 5.99% - 11.49% |
| 72-84 months (Used RV only) | 5.99% - 11.49% |
| Used Sport or Water Craft (2010-14) | Add 0.75% to Used Auto Rates (2010-14) |
Used Auto / RV (Model Years 2011 and Earlier Purchase Or Refinance) *Models older than 2007 to be reviewed* |
|
| Term of Loan | Annual Percentage Rate |
| 24 months | 5.99% - 11.49% |
| 36 months | 5.99% - 11.49% |
| 48 months | 6.49% - 11.99% |
| 60 months ($15,000 min.) | 7.49% - 12.99% |
| Used Sport or Water Craft (2009 & Earlier) | Add 0.75% to Used Auto Rates (2009 & Earlier) |
Signature Loan (Maximum of three months of gross salary) |
|
| Term of Loan | Annual Percentage Rate |
| 12 months | 6.75% - 12.25% |
| 18 months | 6.75% - 12.25% |
| 24 months | 6.75% - 12.25% |
| 36 months | 6.99% - 12.49% |
| 48 months | 6.99% - 12.49% |
| 60 months (A or B rating only) | 7.25% - 12.75% |
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 | 5.49% - 10.99% |
| 48 months | 5.99% - 11.49% |
| 60 months | 6.99% - 12.49% |
| 120 months | 7.99% - 13.49% |
|
Higher Education Loan |
|
| Term of Loan | Annual Percentage Rate |
| 6 months | 3.99% - 9.49% |
| 12 months | 4.49% - 9.99% |
| 36 months | 4.99% - 10.49% |
| 48 months | 5.99% - 11.49% |
|
Members Choice Home Equity Line of Credit - Up To 83% LTV |
|
| Term of Loan | Annual Percentage Rate |
| Line of Credit | 12 Month Introductory Rate 3.25% then Prime* - 0.50% (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 3.50% 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 | 2.99% - 8.49% |
|
Fixed Rate Home Equity - Up To 83% LTV |
|
| Term of Loan | Annual Percentage Rate |
| 5 years | 3.75%- 9.25% |
| 10 years | 4.00% - 9.50% |
| 15 years | 4.25% - 9.75% |
| 20 years | 5.50% - 11.00% |
|
Fixed Rate Home Equity - Up To 95% LTV |
|
| Term of Loan | Annual Percentage Rate |
| 5 years | 4.85% - 6.35% |
| 10 years | 5.25% - 6.75% |
| 15 years | 5.50% - 7.00% |
|
Visa Gold Credit Card |
|
| Prime + 5.00% Variable APR** | |
Currently 10.25% APR** Adjusts to 10.25% APR** effective January 1, 2019 |
|
| Introductory Rate of 6.90% APR** for 6 months. | |
|
Visa Classic Credit Card |
|
| Prime + 6.40% Variable APR** | |
| Currently 11.65% APR** Adjusts to 11.90%** effective January 1, 2019 | |
| 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 15.00% APR* Adjusts to 15.50% APR* effective January 1, 2019 |
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.
