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 months | 4.74% - 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 months | 7.74% - 16.24% |
| 48 months | 7.99% - 16.49% |
| 60 months | 8.24% - 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 months | 8.49% - 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 months | 5.99% - 14.49% |
| 24 months | 6.24% - 14.74% |
| 36 months | 6.49% - 14.99% |
| 48 months | 6.74% - 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.
