Loan Rates

As of May 18, 2017

Rates subject to change without notice.

Prime Rate: 4.00%

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

Term of Loan Annual Percentage Rate
24 months 1.55% - 7.05%
36 months 1.99% - 7.49%
48 months 1.99% - 7.49%
60 months 2.24% - 7.74%
72 months ($15,000 minimum) 2.74% - 8.24%
84 months ($15,000 minimum) 3.24% - 8.74%
72-144 months (New RV only) 3.59% - 9.09%

Sport Craft (Off Road Or Sport Water Craft)

Add .75% to new or used 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 2.79% - 8.29%
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 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 5.99% - 11.49%
60 months ($15,000 minimum) 6.24% - 11.74%

Signature Loan (Maximum of three months of gross salary)

Term of Loan Annual Percentage Rate
12 months 6.24% - 11.74%
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 - 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 - 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 3.00% - 8.50%
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 4.25% - 5.75%
10 years 4.75% - 6.25%
15 years 5.50% - 7.00%

Visa Gold Credit Card

Prime + 5.00% Variable APR**
Currently 9.00% APR**
Introductory Rate of 6.90% APR** for 6 months.

Visa Classic Credit Card

Prime + 6.40% Variable APR**
Currently 10.40% 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 14.00% 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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