Loan Rates

As of June 22, 2018

Rates subject to change without notice.

Prime Rate: 5.00%

New Auto / RV (Model Years 2015 - 2018 Purchase Or Refinance)

Term of Loan Annual Percentage Rate
24 months 1.99% - 7.49%
36 months 1.99% - 7.49%
48 months 2.49% - 7.99%
60 months 2.59% - 8.09%
72 months ($15,000 min.) 2.99% - 8.49%
84 months ($15,000 min.)3.59% - 9.09%
72-144 months (New RV only) 5.49% - 10.99%
New Sport or Water Craft Add 0.75% to New Auto Rates

Used Auto / RV (Model Years 2010-2014 Purchase or Refinance)

Term of Loan Annual Percentage Rate
24 months 2.24% - 7.74%
36 months 2.49% - 7.99%
48 months 2.99% - 8.49%
60 months ($15,000 min.) 3.24% - 8.74%
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 2009 and Earlier Purchase Or Refinance)

*Models older than 2004 to be reviewed*

Term of Loan Annual Percentage Rate
24 months 4.99% - 10.49%
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 (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 5.99% - 11.49%
18 months 6.24% - 11.74%
24 months6.24% - 11.74%
36 months 6.49% - 11.99%
48 months 6.49% - 11.99%
60 months (A or B rating only) 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 5.99% - 11.49%
48 months 6.24% - 11.74%
60 months 6.49% - 11.99%
120 months 7.99% - 13.49%

Higher Education Loan

Term of Loan Annual Percentage Rate
6 months 3.99% - 9.49%
12 months 3.99% - 9.49%
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 2.25% 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 3.50% 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 3.49% - 8.99%
10 years 4.00% - 9.50%
15 years 4.24% - 9.74%
20 years 5.25% - 10.75%

Fixed Rate Home Equity - Up To 95% LTV

Term of Loan Annual Percentage Rate
5 years 4.74% - 6.24%
10 years 5.25% - 6.75%
15 years 5.49% - 6.99%

Visa Gold Credit Card

Prime + 5.00% Variable APR**
Currently 9.75% APR** Adjusting to 10.00% APR** effective 6/29/2018
Introductory Rate of 6.90% APR** for 6 months.

Visa Classic Credit Card

Prime + 6.40% Variable APR**
Currently 11.15% APR** Adjusting to 11.40% APR** effective 6/29/2018
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 14.50% APR* Adjusting to 15.00% APR* effective 7/1/2018

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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