Current Loan Rates
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| QUICK LINKS: | Auto | Recreational Vehicles | Home Equity | Lines of Credit | Credit Card | Personal/Computer | Stock Secured | Share Certificate /Share Secured |
All Rates Are Subject To Change Without Notice. All Rates Effective
March 1, 2010.
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Year |
Annual Percentage Rate ( APR) |
Term (months) |
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| 2010 |
as low as 5.49% |
60 |
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| 2010 |
as low as 6.24% |
66-72 |
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2010 |
as low as 6.99% |
78-84 |
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| 2009 | as low as 5.49% | 60 | ||
2008 |
as low as 5.49% |
60 |
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2007 |
as low as 5.74% |
60 |
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2006 |
as low as 5.74% |
60 |
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| 2005 | as low as 6.50% | 60 | ||
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- Sample payment: For every $1,000 borrowed at 4.74% APR for 60 months, your payment would be $18.68.
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Loan Amount |
APR* |
Term (months) |
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| $15,000 or less | as low as 8.29% |
60 |
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| $15,001 - 30,000 | as low as 8.14% |
84 |
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| $30,001 - 50,000 | as low as 7.89% |
120 |
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| $50,001 - 75,000 | as low as 7.79% |
120 |
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| $75,000 or greater | as low as 7.69% |
180 |
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- Sample payment is $19 monthly for every $1,000 borrowed at 5% APR for 60 months.
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| Account Description | APR |
Term (months) |
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| Home Equity | 5.24% |
12-36 |
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| (80% of home value less 1st mortgage balance) | 5.24% |
37-60 |
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6.24% |
61-84 |
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6.49% |
85-120 |
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6.74% |
121-180 |
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| Equity Plus | 6.95% |
12-36 |
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| (81-95% of home value less 1st mortgage balance) | 7.50% |
37-60 |
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7.75% |
61-84 |
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8.05% |
85-120 |
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8.30% |
121-180 |
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- Fixed Loans - Rates shown are for members with excellent credit who choose to make automatic payments and qualify for Step 4 of our Family Rewards plan. Your rate may be different based on this criteria and your application information. Rates are subject to change.
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| Specials | ||||||||
| Less than 24,999 |
$25,000 - 49,999 |
$50,000 - $99,999 |
$100,000 -
$149,999 |
$150,000 or more |
Term (years) |
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| Home Line up to $500,000 | Prime* + 2.50% |
Prime* + 2.25% |
Prime* + 2.00% |
Prime + 1.75% |
Prime* + 1.50% |
7 |
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| (80% of home value less 1st mortgage balance) | ||||||||
- *The 7-year Home Equity Line rate may vary. For credit lines of $150,000 and greater, the rate is Prime + 1.50%. For credit lines of $100,000-149,999 the rate is the Prime Plus 1.75%. For credit lines $50,000-99,999 the rate is the Prime Rate + 2.00%. For credit lines $25,000-49,999 the rate is the Prime Rate + 2.25%.For credit lines below 24,999 the rate is the Prime plus 2.50%. As of 12/16/08, the Prime Rate as published in The Wall Street Journal was 3.25%. The maximum rate is 18%. The $50 annual fee is waived for the first year. Property insurance is required. Cancellation fee of $399 applies if the line is closed within the first 36 months. Offer may be withdrawn or changed at any time.
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| Specials | ||||||
| Less than 24,999 |
$25,000 - 49,999 |
$50,000 - $99,999 |
Term (years) |
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| Equity Plus | ||||||
| (81-95% of home value less 1st mortgage balance) | Prime* + 4.50% |
Prime* + 4.25% |
Prime* + 4.00% |
7 | ||
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Annual Percentage Rate ( APR) |
Term (Months) |
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as low as 7.99% |
12-48 |
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- Sample payment is $21 monthly for every $1,000 borrowed at 8% APR for 60 months.
- Rates shown are for members with excellent credit who choose to make automatic payments and qualify for Step 4 of our Family Rewards plan. Your rate may be different based on this criteria and your application information. Rates are subject to change.
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| Up to a maximum of: | Loan Type | APR | Term |
Exclusions |
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| 100% Value | Installment | Rate on certificate + 2.0%, 5% Min Floor | Maximum term will be maturity date of certificate. |
Not available on "Bump" Certificates. |
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| 95% Value | Single Payment | Rate on certificate + 2.0%, 5% Min Floor | Maximum term will be maturity date of certificate. |
Not available on "Bump" Certificates. | ||
7.49% |
60 |
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- + If loan not paid through payroll deduction or auto payment plan, add .25% to APR.
- Sample payment is $19 monthly per $1,000 borrowed for 60 months at 5% APR.s
- Sample payment is $21 monthly for every $1,000 borrowed at 8% APR for 60 months.
- Rates shown are for members with excellent credit who choose to make automatic payments and qualify for Step 4 of our Family Rewards plan. Your rate may be different based on this criteria and your application information. Rates are subject to change.
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| Account Description | Term |
APR* |
Fee |
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| Visa Platinum Rewards Card (Variable+) |
APR |
8.99%
- 16.99% APR* based on creditworthiness |
No Annual Fee |
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| Visa Savers Card (Variable+) |
APR |
10.99% - 17.99% APR* based on
creditworthiness |
No Annual Fee |
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+ Variable: *Prime + 4.49% APR (Purchases & Cash Advances)
*Minimum Rate is 8.99% - Maximum is 18% -
**Prime as of December 16, 2008 was 3.25% as published in The Wall Street Journal.
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Click here for required disclosures.
