Rates

1 The APR* shown above reflect the current minimum APR offered. The APR may be adjusted based on individual credit standing, term, loan-to-value, debt-to-income ratio, and aggregate credit score. Please contact a loan officer to determine the rate and term for which you qualify.

2 Up to 100% financing when age of vehicle is 8 years older than current model year as long as vehicle books in NADA.

These Annual Percentage Rates (APRs) are variable and subject to change quarterly based on the highest PRIME Rate as published in the Money Rates Section of the Wall Street Journal on the 15th day (if the 15th is not a business day, then the rate on the preceding business day) immediately preceding the first day of each calendar month of each year and cannot exceed 18% APR. As of March 1, 2014 the prime rate was 3.25%.

Loan Type APR*
Personal & Overdraft Line of Credit 8.15% – 12.15%1
Gold Star Line of Credit 7.75%1
Used Passenger Vehicles2 5.25% – 9.25%1
Used Recreational Vehicles2 5.75% – 9.75%1


Home Equity Line of Credit

These APR’s* are variable and subject to change monthly based on the highest PRIME Rate as published in the Money Rates Section of the Wall Street Journal on the 15th day (if the 15th is not a business day, then the rate on the preceding business day) immediately preceding the first day of each calendar month of each year and cannot exceed 14% APR. As of March 1, 2014 the prime rate was 3.25%. Flood and /or property hazard insurance may be required.

Term Up to 80% of Available Equity APR*
Up to 180 Months Up to $400,000 3.20%

Equity Advantage Fixed Rate

*Rates subject to change. The above base rates reflect a loan-to-value of 80% or less. Rates do increase if the loan-to-value is greater than 80%. Maximum loan-to-value is 90%. Please contact a loan officer to determine the rate and term for which you qualify. Flood and /or property hazard insurance may be required.

Fixed Term Loan Amount APR*
5 Years $10,000 – $400,000 3.49%
10 Years $10,000 -$400,000 4.49%
15 Years $10,000 – $400,000 5.49%
20 Years $10,000 -$400,000 5.99%
30/15 $25,000 – $400,000 6.95%


1 New Auto Loan is current model year or newer. Used Auto Loan is up to 7 model years old.

2 The APR* shown above reflect the current minimum APR offered. The APR may be adjusted based on individual credit standing, term, loan-to-value, debt-to-income ratio, aggregate credit score, and product mix. Please contact a loan officer to determine the rate and term for which you qualify.

3 Includes Current Model Year plus four years back.

4 Certain Restrictions Apply

5 $5,000 to $25,000

6 Loan amount minimum $500, maximum $5,000 for loans less than $1,100 minimum payment of $25.00 per month. For loans greater than $1,100, payments calculated over a max of 48 months. Funds may only be used for the purchase of a VSA. Qualified members only.

Loan Type APR Terms
Share Certificate Secured Certificate rate + 3.00% Term of Certificate
New/Used Auto1 1.49% – 10.50%2 1 – 36 Months
New/Used Auto1 1.99% – 10.50%2 37 – 60 Months
New/Used Auto1 3.49% – 11.25%2 61 – 72 Months
New/Used Auto1 4.49% – 14.25%2 73 – 84 Months
New/Used Recreational Vehicles3 5.50% – 11.25%2 1 – 240 Months
Preferred Prime Loan4 6.99%5 60 Months
Vehicle Service Agreement Loan ($500 – $5,000) 6.00%6 up to 48 months
Share Secured Prime Share Rate + 3.00% up to 84 months


These examples are for comparison purposes only and do not reflect an offer of credit. All terms and conditions are subject to change without notice. Some restrictions do apply.

Loan Type Amount APR* Monthly Payment
New or Used Passenger Vehicles (60 mos.) $20,000 3.90% $366.43
New or Used Passenger Vehicles (60 mos.) Highest Rate $20,000 10.50% $429.88
New or Used Passenger Vehicles (72 mos.) $20,000 4.90% $320.08
New or Used Passenger Vehicles (72 mos.) Highest Rate $20,000 11.25% $383.25
New or Used Passenger Vehicles (over $25,000-84 mos.) $30,000 5.90% $435.04
New or Used Passenger Vehicles (over $25,000-84 mos.) Highest Rate $30,000 14.25% $566.35
New or Used RV (60 mos.) Discounted Rate w/10% down payment $20,000 7.50% $400.76
New or Used RV (60 mos.) Highest Rate w/10% down payment $20,000 11.25% $437.35
New or Used RV (over $20,000-120 mos.) Highest Rate w/10% down payment $30,000 11.25% $417.51
New or Used RV (over $25,000-72 mos.) Highest Rate w/10% down payment $30,000 11.25% $574.87
Vehicle Service Agreement (48 mos.) Highest Rate $5,000 6.00% $117.44