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 months | As low as 4.49% |
| 36 months | As low as 4.59% |
| 48 months | As low as 4.69% |
| 60 months | As 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 months | As 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 months | As low as 8.79% |
|
New RV or Boat (Model Years 2017-2023 - Purchase Or Refinance) |
|
| Term of Loan | Annual Percentage Rate |
| 24 months | As 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 months | As 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 months | As low as 9.74% |
| 48 months | As low as 9.99% |
| 60 months | As 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 months | As low as 8.74% |
| 48 months | As low as 8.99% |
| 60 months | As low as 9.24% |
| 72 months | As 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 months | As low as 8.49% |
| 48 months | As 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 months | As low as 7.74% |
| 24 months | As low as 7.99% |
| 36 months | As low as 8.24% |
| 48 months | As 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.
