NEW SATURDAY BRANCH HOURS BEGINNING 1/7/2023: Our Saturday hours beginning January 7th will now be 9am to 12pm. You can access your accounts virtually 24 hours a day, 7 days a week using Virtual Branch Online Banking, our mobile app, PAT (your personal automated teller) and using the nearly 30,000 CO-OP ATM locations available nationwide.

Loan Rates

As of January 19, 2023

Rates subject to change without notice.

Current Prime Rate: 7.50%

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

Term of Loan Annual Percentage Rates
24 monthsAs low as 4.49%
36 monthsAs low as 4.59%
48 months As low as 4.69%
60 monthsAs low as 4.79%
72 months As low as 4.99%
84 months (Brand New Only) As low as 5.99%

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

Term of Loan Annual Percentage Rate
24 months As low as 5.49%
36 months As low as 5.59%
48 months As low as 5.69%
60 months As low as 5.79%
72 monthsAs low as 5.99%

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 As low as 8.49%
36 months As low as 8.59%
48 months As low as 8.69%
60 monthsAs low as 8.79%

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

Term of Loan Annual Percentage Rate
24 monthsAs low as 5.49%
36 months As low as 5.74%
48 months As low as 5.99%
60 months As low as 6.24%
72 months As low as 6.49%
84 months As low as 6.74%
96 months (Brand New Only) As low as 6.99%
120 months (Brand New Only) As low as 7.49%
180 months (Brand New Only) As low as 7.99%

For other sport craft, add 2.00% to posted rate (Dirt Bike, ATV, Jet Ski, Snowmobile, etc.)

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

Term of Loan Annual Percentage Rate
24 months As low as 6.49%
36 monthsAs low as 6.74%
48 months As low as 6.99%
60 months As low as 7.24%
72 months As low as 7.49%
84 months As low as 7.74%

For other sport craft, add 2.00% to posted rate (Dirt Bike, ATV, Jet Ski, 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 As low as 9.49%
36 monthsAs low as 9.74%
48 months As low as 9.99%
60 monthsAs low as 10.24%

For other sport craft, add 2.00% to posted rate (Dirt Bike, ATV, Jet Ski, Snowmobile, etc.)

Signature Loan

Term of Loan Annual Percentage Rate
12 months As low as 7.99%
18 months As low as 8.24%
24 months As low as 8.49%
36 monthsAs low as 8.74%
48 months As low as 8.99%
60 months As low as 9.24%
72 monthsAs low as 10.24%

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 monthsAs low as 8.49%
48 monthsAs low as 8.74%
60 months As low as 8.99%
72 months As low as 9.99%
120 months As low as 10.49%

Higher Education Loan

Term of Loan Annual Percentage Rate
12 months As low as 7.49%
18 monthsAs low as 7.74%
24 monthsAs low as 7.99%
36 months As low as 8.24%
48 monthsAs low as 8.49%
60 months As low as 8.74%

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 2.99% 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 3.49% 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 4.74% 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 As low as 4.49%
10 years As low as 4.74%
15 years As low as 4.99%
Up to 20 years As low as 5.49%

Fixed Rate Home Equity - Up To 83% LTV

Term of Loan Annual Percentage Rate
5 years As low as 4.99%
10 years As low as 5.24%
15 years As low as 5.49%
20 years As low as 5.99%

Fixed Rate Home Equity - Up To 95% LTV

Term of Loan Annual Percentage Rate
5 years As low as 6.24%
10 years As low as 6.49%
15 years As low as 6.74%
20 years As low as 7.24%

Visa Gold Credit Card

Prime + 5.00% Variable APR**
Currently 8.25% APR**
Introductory Rate of 6.90% APR** for 6 months

Visa Classic Credit Card

Prime + 6.40% Variable APR**
Currently 9.65% 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 17.50%*.


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

With over 5,000 locations nationwide your credit union will be wherever you decide to go.

Study Hall

A place for you to come and explore a wide range of financial topics. Let us be your trusted source of honest and easy to understand financial advice.

Kasasa Care

Whether you’re looking to get a jump on Open Enrollment or get protection for your belongings or identity, we’re here to do the heavy lifting.

Foreign Currency

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

Learning Center

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