As of September 23, 2021
Rates subject to change without notice.
Current Prime Rate: 3.25%
|
New Auto / RV (Model Years 2016-2020 - Purchase Or Refinance) |
|
|---|---|
| Term of Loan | Annual Percentage Rate |
| 24 months | 0.99% - 6.49% |
| 36 months | 1.49% - 6.99% |
| 48 months | 1.69% - 7.19% |
| 60 months | 1.74% - 7.24% |
| 72 months ($15,000 min.) | 1.99% - 7.49% |
| 84 months ($15,000 min.) | 3.19% - 8.69% |
| 73-120 months (New RV only) | 4.99% - 10.49% |
| 121-180 months (New RV only) | 5.99% - 11.49% (A or B Credit only) |
| New Sport, Water Craft, or RV 72 months or less | Add 1.00% to New Auto Rates |
|
Used Auto / RV (Model Years 2012-2015 - Purchase or Refinance) |
|
| Term of Loan | Annual Percentage Rate |
| 24 months | 1.99% - 7.49% |
| 36 months | 2.49% - 7.99% |
| 48 months | 2.69% -8.19% |
| 60 months ($15,000 min.) | 2.74% - 8.24% |
| 72 months ($15,000 min.) | 4.19% - 9.69% |
| Used Sport, Water Craft, or RV (2012-15) | Add 1.00% to Used Auto Rates (2012-15) |
|
Used Auto / RV (Model Years 2011 and Earlier - Purchase Or Refinance) *Models older than 2011 to be reviewed* |
|
| Term of Loan | Annual Percentage Rate |
| 24 months | 5.49% - 10.99% |
| 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 (2011 & Earlier) | Add 1.00% to Used Auto Rates (2011 & Earlier) |
|
Signature Loan |
|
| Term of Loan | Annual Percentage Rate |
| 12 months | 5.99% - 11.49% |
| 18 months | 6.24% - 11.74% |
| 24 months | 6.24% - 11.74% |
| 36 months | 6.49% - 11.99% |
| 48 months | 6.49% - 11.99% |
| 60 months | 6.74% - 12.24% |
|
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 | 4.99% - 10.49% |
| 48 months | 5.49% - 10.99% |
| 60 months | 6.49% - 11.99% |
| 120 months | 7.49% - 12.99% |
|
Higher Education Loan |
|
| Term of Loan | Annual Percentage Rate |
| 6 months | 3.49% - 8.99% |
| 12 months | 3.99% - 9.49% |
| 36 months | 4.49% - 9.99% |
| 48 months | 5.49% - 10.99% |
|
Members Choice Home Equity Line of Credit - Up To 83% LTV |
|
| Term of Loan | Annual Percentage Rate |
| Line of Credit | 12 Month Introductory Rate 2.00% 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 3.25% then Prime* + 1.25% (rate floor of 5.25%) |
| Introductory and Standard Rates will vary based on creditworthiness | |
|
Short Term Fixed Rate Home Equity - Up To 70% LTV (1st Lien) or Up To 50% (2nd Lien) |
|
| Term of Loan | Annual Percentage Rate |
| Up to 10 years | 2.74% - 8.24% |
| Up to 15 years | 2.99% - 8.49% |
|
Fixed Rate Home Equity - Up To 83% LTV |
|
| Term of Loan | Annual Percentage Rate |
| 5 years | 2.99%- 8.49% |
| 10 years | 3.24% - 8.74% |
| 15 years | 3.49% - 8.99% |
| 20 years | 4.24% - 9.74% |
|
Fixed Rate Home Equity - Up To 95% LTV |
|
| Term of Loan | Annual Percentage Rate |
| 5 years | 4.24% - 5.74% |
| 10 years | 4.49% - 5.99% |
| 15 years | 4.74% - 6.24% |
|
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 13.25% 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.
