Loan Rates

Rates are effective October 1, 2017 and are subject to change without advanced notice

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Year Made/Value Term
2011 - 2017 up to 72 months
2007 - 2010 up to 60 months
2002 - 2006 up to 48 months
Used over $18,000 up to 72 months
2010 or newer, over $25,000 up to 84 months
New & Used Automoblie Loans - Current NADA

Suffix 5001-5010 New
Suffix 5021-5030 Used

Suffix 5041-5050 New Indirect
Suffix 5061-5070 Used Indirect

  A+ A+ A B+ B C+ C D+ D
Paper 800+ 780-799 760-779 740-759 720-739 700-719 680-699 660-679 640-659
Maximum LTV *110% 110% 110% 105% 105% 95% 95% 70% 70%
Up to 60 Months 2.99% 2.99% 3.14% 3.49% 3.74% 4.74% 5.74% 7.49% 10.49%
Up to 84 Months 3.49% 3.49% 3.64% 3.99% 4.24% 5.24% 6.24% N/A N/A

Maximum LTV’s for A+ & A Up to 110% & B is 105% of new and used, plus taxes, dealer handling, warranty and insurance. C is 95% for new and used plus taxes, dealer handling, warranty and insurance. D is 70% for new and used, plus taxes, dealer handling, warranty and insurance. A loan financed for $18,000.00 or higher can qualify up to 84 months. Term Rate Add On: 61-72 months +0.25  73-84 months +0.50

*LTV is NADA Adjusted Retail Book plus taxes, D & H, warranty & insurance for all tiers for used vehicles. New vehicles (current year models plus year before with less than 2,000 miles) are based on MSRP. Click here for disclosures. 

2010 & Older Vehicles and Classic Cars
Suffix 140-145
Paper A+ A B C D
Maximum LTVs 90% 85% 80% 75% 70%
36 Months 3.49% 3.49% 4.49% 6.99% 11.49%
60 Months 4.49% 4.49% 5.49% 7.49% 12.49%

Sight inspection required.

Classic and Exotic Automobiles
Paper A+ A B C D
Maximum LTVs 100% 100% 100% 80% N/A
36 Months 4.49% 4.49% 5.99% 6.99% N/A
60 Months 4.49% 4.49% 5.99% 6.99% N/A
Suffix 140-145

Paper B or higher will finance 100% of Retail Value. Paper C maximum of 80% of Retail Value.

New/Used Recreational Vehicles
Suffix 180-185
Paper A+ A B C D
Up to 120 Months 4.99% 5.25% 5.99% 9.99% N/A

Finance 90% of NADA Loan Value (10%) trade or cash down payment required.

New Motorcycle
Suffix 190-194
Paper A+ A B C D
Up to 60 Months 3.99% 4.49% 5.99% 9.49% N/A

10% trade or cash down payment required.

Used Motorcycle
Suffix 195-199
Paper A+ A B C D
Maximum LTV 90% 85% 80% 75% N/A
Up to 48 Months 4.99% 5.49% 6.49% 10.25% N/A

10% trade or cash down payment required.

The interest rates are evaluated by the Board of Directors. Terms vary based on value and year of vehicle. All applications subject to member credit qualification. Click here for disclosures.

Multi-Collateral
Suffix 170-175
Paper A+ A B C D
48 Months 6.49% 6.99% 7.99% 9.99% 11.99%
60 Months 6.49% 6.99% 7.99% 9.99% 11.99%

100% secured using NADA Retail Value on vehicles in the current NADA or Trade-in value on vehicles over seven years.

Mixed-Collateral Partially Secured
Suffix 160-165
Paper A+ A B C D
48 Months 8.49% 9.00% 10.00% 11.99% 16.99%
60 Months 8.49% 9.00% 10.00% 11.99% 16.99%

A & B Paper
Current NADA Retail Value and 2x gross monthly income.
7-10 years and older - NADA Trade-In Value and 2x gross monthly income.

C Paper
Current NADA Trade-in Value and 1.5x gross monthly income. 
7-10 years and older - NADA Trade-In Value and 1.5x gross monthly income.

D Paper
Current NADA Retail Value and 1x gross monthly income.
7-10 years and older - NADA Trade-In Value and 1x gross monthly income.

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Real Estate and Home Equity Closed End Loans Up to 180 Months
Paper A+ A B C
Terms up to 15 Years 95% LTV 95% LTV 95% LTV 95% LTV
  4.25% 5.25% 6.25% 7.25%
HELOC (Line of Credit)
Score LTV Rate
A - 700 or higher Up to 95% Prime
B - 680-699 Up to 95% Prime +1
C - 660-679 Up to 95% Prime +2
D - 640-659 Up to 75% Prime +3
  • Terms: 10 year draw period, up to 15 years to repay the balance.
  • Payments: 1% of outstanding principal balance with minimum payment of $100.00.
  • HELOC has a floor rate of 3.00% APR, and a ceiling rate of 18% APR
  • Current Prime Rate = 4.25% APR

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Personal Advance
Suffix 405-410
Paper A+ A B C D
24 Months 8.99% 9.49% 10.99% 12.99% 17.99%
36 Months 8.99% 9.49% 10.99% 12.99% 17.99%
Preferred LOC
Suffix 400
Paper A+ A B C
  7.99% 8.49% 9.99% 11.99%
Miscellaneous Loans
Loan Rate
VISA Credit Card   14.90%
VISA Platinum 8.90%
Share Overdraft/QuickFix 18.00%
Share Secured SC Rate + 3%
Share Certificate SC Rate + 3%

Maximum term on Shared Secured is 60 months.

Click here for VISA Credit Card Disclosures.