Loan rates

Competitive rates to get you what you need

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Share Secured

Term	APR*
24 mos	2.00% + Current share rate
36 mos	2.00% + Current share rate
48 mos	2.00% + Current share rate
60 mos	3.00% + Current share rate
72 mos	3.00% + Current share rate
84 mos	3.00% + Current share rate

Unsecured 

Paper Grade	24 mos	36 mos	48 mos
A+ $8,000	8.45% APR*	8.95% APR	9.45% APR
A- $8,000	9.45% APR	9.95% APR	10.45% APR
B- $7,000	9.95% APR	10.95% APR	11.45% APR
C- $5,000	13.95% APR	14.45% APR	15.95% APR
D- $2,500	16.49% APR	16.75% APR	17.00% APR

12-Month Unsecured

$3,000.00 Limit

*1 per member ** Not included in signature limit

A+- 4.24%	A- 5.24%	B- 6.24%	C- 9.24%	D- 14.24%

New Vehicle Loans

Auto, trucks, motorcycles

**RVs. Add .5% for every year over 72 months.

Paper Grade	36 mos	48 mos	60 mos	72 mos over $25,000.00	84mos over $50,000.00
A+	4.74%	4.74%	4.74%	5.24%	6.24%
A	5.24%	5.24%	5.24%	5.74%	6.74%
B	5.74%	5.74%	5.74%	6.24%	7.24%
C	8.74%	8.74%	8.74%	9.24%	10.24%
D	11.74%	11.74%	11.74%	12.24%	13.24%

Used Vehicle Loans

Paper Grade	36 mos	48 mos	60 mos	72 mos over $25,000.00
A+	5.74%	5.74%	5.74%	6.24%
A	6.24%	6.24%	6.24%	6.74%
B	8.74%	8.74%	8.74%	7.24%
C	9.74%	9.74%	9.74%	10.24%
D	12.74%	12.74%	12.74%	13.24%

Fixed Home Equity Rates

*Add 0.50% for 15 years

Paper Grade	Rate (10 years)
A+, A, B	7.00%
C	7.50%
D	8.25%

Home Equity Line of Credit Rates

*Prime 7.25% as of 9/18/2025

Paper Grade	Rate (10 years)
A+, A	5.50%
B	6.50%
C	7.50%
D	8.50%

Scoring Scale

A+	720 and above
A	680 - 719
B	630 - 679
C	600 - 629
D	475 - 599