Equifax Cybersecurity Incident

On September 7, 2017 Equifax Inc. announced a cybersecurity incident potentially impacting approximately 143 million U.S. consumers. Equifax has established a dedicated website, www.equifaxsecurity2017.com, to help consumers determine if their information has been potentially impacted and to sign up for credit file monitoring and identity theft protection. The website also provides additional information on steps consumers can take to protect their personal information.

Equifax recommends that consumers with additional questions visit www.equifaxsecurity2017.com or contact a dedicated call center at 866-447-7559 which the company set up to assist consumers.


Loan Rates

As of September 21, 2017

Rates subject to change without notice.

Prime Rate: 4.25%

New Auto / RV (Model Years 2015 - 2017 Purchase Or Refinance)

Term of Loan Annual Percentage Rate
24 months 1.59% - 7.09%
36 months 1.99% - 7.49%
48 months 1.99% - 7.49%
60 months 2.49% - 7.99%
72 months ($15,000 minimum) 2.74% - 8.24%
84 months ($15,000 minimum) 3.49% - 8.99%
72-144 months (New RV only) 3.99% - 9.49%
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 2.49% - 7.99%
36 months 2.49% - 7.99%
48 months 2.49% - 7.99%
60 months ($15,000 minimum) 2.99% - 8.49%
72 months ($15,000 minimum) 5.49% - 10.99%
72-84 months (Used RV only) 5.49% - 10.99%
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 4.49% - 9.99%
36 months 5.49% - 10.99%
48 months 5.49% - 10.99%
60 months ($15,000 minimum) 5.99% - 11.49%
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 months 6.24% - 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 5.99% - 11.49%
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 2.50% 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 3.75% then Prime* (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 3.25% - 8.75%
10 years 3.50% - 9.00%
15 years 4.25% - 9.75%
20 years 4.99% - 10.49%

Fixed Rate Home Equity - Up To 95% LTV

Term of Loan Annual Percentage Rate
5 years 4.50% - 6.00%
10 years 5.00% - 6.50%
15 years 5.75% - 7.25%

Visa Gold Credit Card

Prime + 5.00% Variable APR**
Currently 9.25% APR**
Introductory Rate of 6.90% APR** for 6 months.

Visa Classic Credit Card

Prime + 6.40% Variable APR**
Currently 10.65% 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 14.25% APR**

All rates subject to change without notice. Rates will vary based on credit rating and term selected.

* Prime rate on home equity lines adjust semi-annually effective for January and July.

**Annual Percentage Rate. Visa Credit Card Rates and Overdraft adjust quarterly based on changes to Prime.

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Member Cellular Discounts with Sprint

Sprint Discount

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