Secured Loans
Auto/Truck
Effective Date: October 1, 2026
| Auto/Truck | Term | Annual Percentage Rate* |
|---|---|---|
| 2027-2026 | up to 60 | 5.50% |
| 61 to 78 | 6.00% | |
| If over $25,000 max term | 79 to 96 | 6.75% |
| If over $50,000 max term | 97 to 120 | 7.50% |
| 2025-2024 | up to 60 | 5.75% |
| 61 to 78 | 6.25% | |
| If over $25,000 max term | 79 to 96 | 7.00% |
| If over $50,000 max term | 97 to 120 | 7.75% |
| 2023-2022 | up to 60 | 6.00% |
| 61 to 78 | 6.50% | |
| If over $25,000 max term | 79 to 96 | 7.25% |
| If over $50,000 max term | 97 to 120 | 8.00% |
| 2021-2020 | up to 48 | 6.00% |
| 49 to 60 | 6.50% | |
| 61 to 78 | 7.00% | |
| If over $25,000 max term | 79 to 96 | 8.00% |
| If over $50,000 max term | 97 to 120 | 9.00% |
| 2019 & Older | up to 36 months | 6.50% |
| 37 to 48 | 7.00% | |
| 49 to 60 | 7.50% | |
| 61 to 78 | 8.25% | |
| If over $25,000 max term | 79 to 96 | 9.50% |
| If over $50,000 max term | 97 to 120 | 10.50% |
Boats/RVs/Motorcycles
Effective Date: October 1, 2026
| Description | Term | Annual Percentage Rate* |
|---|---|---|
| 2027-2026 | up to 60 months | 5.75% |
| 61 to 78 | 6.25% | |
| If over $30,000 max term | 79 to 96 | 7.00% |
| If over $40,000 max term | 97 to 120 | 7.75% |
| If over $50,000 max term | 121 to 180 | 8.00% |
| (RVs only) If over $75,000 max term | 181 to 240 | 9.00% |
| 2025-2024 | up to 60 months | 6.00% |
| 61 to 78 | 6.50% | |
| If over $25,000 max term | 79 to 96 | 7.25% |
| If over $40,000 max term | 97 to 120 | 8.00% |
| If over $50,000 max term | 121 to 180 | 8.50% |
| (RVs only) If over $75,000 max term | 181 to 240 | 9.50% |
| 2023-2022 | up to 60 months | 6.25% |
| 61 to 78 | 6.75% | |
| 79 to 96 | 7.50% | |
| If over $25,000 max term | 97 to 120 | 8.25% |
| If over $50,000 max term | 121 to 180 | 8.75% |
| (RVs only) If over $75,000 max term | 181 to 240 | 9.75% |
| 2021-2020 | up to 48 months | 6.25% |
| 49 to 60 | 6.75% | |
| 61 to 78 | 7.25% | |
| If over $25,000 max term | 79 to 96 | 8.25% |
| If over $40,000 max term | 97 to 120 | 9.25% |
| If over $50,000 max term | 121 to 180 | 9.75% |
| 2019 & Older | up to 36 | 6.75% |
| 37 to 48 | 7.25% | |
| 49 to 60 | 7.75% | |
| 61 to 78 | 8.50% | |
| If over $25,000 max term | 79 to 96 | 9.75% |
| If over $40,000 max term | 97 to 120 | 10.75% |
| If over $50,000 max term | 121 to 180 | 11.75% |
Other Collateral
Effective Date: October 1, 2026
| Description | Term | Annual Percentage Rate* |
|---|---|---|
| 2027-2026 | up to 48 | 5.75% |
| 49 to 60 | 6.25% | |
| If over $25,000 max term | 61 to 78 | 6.75% |
| If over $40,000 max term | 79 to 96 | 7.50% |
| If over $50,000 max term | 97 to 120 | 8.25% |
| 2025-2024 | up to 48 | 6.00% |
| 49 to 60 | 6.50% | |
| If over $25,000 max term | 61 to 78 | 7.00% |
| If over $40,000 max term | 79 to 96 | 7.75% |
| If over $50,000 max term | 97 to 120 | 8.50% |
| 2023-2022 | up to 48 | 6.50% |
| 49 to 60 | 6.75% | |
| If over $20,000 max term | 61to 78 | 7.25% |
| If over $30,000 max term | 79 to 96 | 8.00% |
| If over $50,000 max term | 97 to 120 | 8.75% |
| 2021-2020 | up to 48 | 6.75% |
| 49 to 60 | 7.25% | |
| If over $20,000 max term | 61 to 78 | 7.75% |
| 2019 & Older | up to 48 months | 7.75% |
| 49 to 60 | 8.25% | |
| If over $20,000 max term | 61 to 78 | 9.00% |
Home Equity - Traditional
Effective Date: August 1, 2025
| Description | Term | Rate |
|---|---|---|
| Use the equity in your home in a loan. | up to 84 | |
| up to 120 | ||
| up to 180 |
Home Equity Loans - Manufactured
Effective Date: August 1, 2025
| Description | Term | Annual Percentage Rate* |
|---|---|---|
| Use the equity in your home in a loan. | up to 84 | Call for rate. |
| up to 120 | Call for rate. | |
| up to 180 | Call for rate. |
Home Equity - Line of Credit
Effective Date: August 1, 2025
| Description | Term | Annual Percentage Rate* |
|---|---|---|
| Use the equity in your home to open a line of credit. | 180 |
P+0.00 |
All Second Liens, Add 2 % to the Rate | ||
Vacant Land
Effective Date: October 1, 2026
| Name | Term | Rate |
|---|---|---|
| Fixed Rate | up to 60 | Call for rate |
| 61 to 120 | Call for rate | |
| 121 to 180 | Call for rate | |
| 181 to 240 | Call for rate | |
| Adjustable Rate 5/5 ARM | up to 120 | Call for rate |
| 121 to 180 | Call for rate | |
| 181 to 240 | Call for rate |
Unsecured Loans
Signature Loans
Effective Date: October 1, 2026
| Description | Term | Rates as low as |
|---|---|---|
| Up to $10,000.00 | up to 12 | 9.50% |
| 13 to 24 | 10.25% | |
| 25 to 36 | 11.00% | |
| 37 to 48 | 11.50% | |
| 49 to 60 | 12.25% | |
| $10,000.01 to $30,000 | up to 36 | 12.50% |
| 37 to 48 | 13.25% | |
| 49 to 60 | 14.00% | |
| 61 to 72 | 15.00% | |
| LOC | ||
| Up to $10,000.00 | 24 mo rev | 11.00% |
| $10,000.01 to $30,000 | 24 mo rev | 12.00% |
| VISA | 24 mo rev | 8.25% |
Credit Builder Products
Effective Date: August 1, 2025
| Description | Term | Rates as low as |
|---|---|---|
| Share Secured Stepping Stone Loan Up to $1,000 | up to 12 | 10.75% |
| Share Secured Anchor Loan Up to $5,000 | up to 36 | 10.75% |
| Share Secured VISA | 24 mo rev | 5.00% |
Life Boat Loans
Effective Date: August 1, 2025
| Description | Term | Annual Percentage Rate* |
|---|---|---|
| “Sprint” Life Boat Loan = $300 | 3 Month Term | 25.00% |
| “Captain” Life Boat Loan = $600 | 6 Month Term | 25.00% |
| “Admiral” Life Boat Loan = $900 | 9 Month Term | 25.00% |
*Insurance products sold through or in the credit union are not insured by the National Credit Union Administration and are not issued, guaranteed, or underwritten by the credit union or the NCUA, or any other federal government agency.
*All loan rates are effective 8/1/2025. Rates for this product are "as low as" stated. Rate is based on an evaluation of applicant credit. Rate is also based on the selected term and loan to value for vehicle loans. An evaluation of applicant credit determines the total amount financed, term, and whether MSRP or Factory Invoice is used for new vehicle values. Values are determined from either MSRP or Factory Invoice for new vehicles and NADA book value for used vehicles. Your rate and total amount financed may vary from the stated rate and maximum financing.
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