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Loan Rates

The current prime rate is: 8.50%. Rates effective as of June 7, 2024. Rates subject to change at any time.

Auto Loans @

Product Annual Percentage Rate (APR)

APR with 2,500
Co-op Points

APR with
5,000 Co-op Points

Max Term
  Rates Start at...      
Autos: New, Used, and Refinancing 6.74% 6.49% 6.24% 24 to 66 Months
Autos: New, Used, and Refinancing 7.49% 7.24% 6.99% 67 to 72 Months
Autos: New, Used, and Refinancing 8.29% 8.04% 7.79% 73 to 84 Months

Apply for an Auto Loan

Payment example: 6.74% APR for 66 months equals $18.18 per $1,000 borrowed.
Terms over 66 months are only available for loan amounts above $15,000.

@ Annual Percentage Rate and maximum loan-to-value based on your credit score, vehicle age, and vehicle mileage. Your actual rate may be higher.

Motorcycle Loans 

Product Annual Percentage Rate (APR) APR: 2,500 Co-op Points APR: 5,000 Co-op Points Term Limits
Motorcycle
New & Used
7.49% 7.24% 6.99% 36 Months 100% Financing
Motorcycle
New & Used
8.24% 7.99% 7.74% 48 Months 100% Financing
Motorcycle
New & Used
8.80% 8.55% 8.30% Over 48 Months 100% Financing

Apply for a Motorcycle Loan

Payment example: 7.49% APR for 36 months equals $31.20 per $1,000 borrowed.
Terms over 48 months are only available for loan amounts above $15,000.

RV Loans 

Product Annual Percentage Rate (APR) APR: 2,500 Co-op Points APR: 5,000 Co-op Points Max Term
RV
New & Used
7.49% 7.24% 6.99% 36 Months
RV
New & Used
8.24% 7.99% 7.74% 48 Months
RV
New & Used
8.80% 8.55% 8.30% Over 48 Months

 

Apply for an RV Loan

Payment example: 7.49% APR for 36 months equals $31.10 per $1,000 borrowed.
Terms over 48 months are only available for loan amounts above $20,000.

Bicycle Loans

Product Annual Percentage Rate Limit Maximum Term
  Rates Starting At...    
Standard Bicycle Loan 3.90% $5,000 36 Months
Quadrini Bicycle Exclusive 0% $5,000 36 Months

Apply for a Bicycle Loan

Payment example: 3.90% for 36 months equals $29.53 per $1,000 borrowed.

Visa Credit Cards נ

 

Product

Annual Percentage RateMax TermLimits
Rewards Visa Signature Credit Card18.00%Revolving$30,000.00

Apply for a Rewards Visa Signature Credit Card

Rewards Visa Signature: Variable rates subject to change. Rates are based on an index of Prime Rate plus a margin of 9.50%, 10.50%, 11.50%, 13.50%, 15.00%, or 18.00% based on your credit score (maximum capped at 18.00%.

ProductAnnual Percentage RateMax TermLimits
Low Rate Visa Platinum Credit Card15.00% - 18.00%Revolving$30,000.00

Apply for a Low Rate Visa Platinum Credit Card

View the Credit Card Application and Solicitation Disclosure

Low Rate Visa Platinum: Variable rates subject to change. Rates are based on an index of Prime Rate plus a margin of 6.50%, 7.50%, 8.50%, or 10.50% based on your credit score.

† Total amount of all unsecured loans and lines of credit may not exceed $50,000 per member.

Fixed Home Equity Loans ¥#

Product Annual Percentage Rate

Max Term

  rates starting at...  
Up to 80% Loan-to-Value
Home Equity Loan
6.99%  60 Months
Up to 80% Loan-to-Value
Home Equity Loan
7.25% 120 Months
Up to 80% Loan-to-Value
Home Equity Loan
7.38% 180 Months
Up to 80% Loan-to-Value
Home Equity Loan
7.50% 240 Months
Over 80% to 90% Loan-to-Value
Home Equity Loan
7.99% 60 Months
Over 80% to 90% Loan-to-Value
Home Equity Loan
9.25% 120 Months
Over 80% to 90% Loan-to-Value
Home Equity Loan
9.38% 180 Months
Over 90% to 100% Loan-to-Value
Home Equity Loan
8.99% 60 Months
Over 90% to 100% Loan-to-Value
Home Equity Loan
9.75% 120 Months
Over 90% to 100% Loan-to-Value
Home Equity Loan
9.88% 180 Months

Apply for a Fixed Home Equity Loan

Payment example: 6.99% for 60 months equals $19.80 per $1,000 borrowed.

¥ Annual Percentage Rate is based on a combination of your credit score and loan to value. Your actual rate may be higher.

# Property insurance required.

Home Equity Lines of Credit ¥#*

Product Annual Percentage Rate Max Term
Up to 80% Loan-to-Value Home Equity Line of Credit 8.25% 10 year draw, 10 year repay 
Over 80% to 90% Loan-to-Value Home Equity Line of Credit 9.50% 10 year draw, 10 year repay 

 

Apply for a Home Equity Line of Credit

Payment example: 8.25% for 10 years equals $12.27 per $1,000 borrowed.

¥ Annual Percentage Rate is based on a combination of your credit score and loan to value. Your actual rate may be higher. The floor rate is 3.50%

# Property insurance required.

* The rate is adjusted monthly according to the Prime Rate as published in the Wall Street Journal on the third Thursday of each month. The maximum Annual Percentage Rate that may be imposed in a variable-rate plan is 18.00%.

Student Loans Rates - visit here

CES Continuing Education Loans

Annual Percentage Rate Limit Maximum Term
8.50% $22,000 84 Months

Apply for a CES Continuing Education Loan

Payment example: 8.50% for 84 months equals $348.37 per $1,000 borrowed.

Personal Loans

Product Annual Percentage Rate Max Term Limits
Personal 12.99% 48 Months^ $25,000.00
Personal 13.99% 60 Months^ $25,000.00
Personal Line of Credit 18.00% Revolving $25,000.00
Overdraft Line of Credit 18.00% Revolving $25,000.00
Computer 9.90% 48 Months $15,000.00
Home Improvement 8.75% 36 Months $15,000.00
Home Improvement 9.75% 60 Months $15,000.00
Home Improvement 13.50% 84 Months $15,000.00
Energy & Fuel Conservation 3.90% 24 Months $3,000.00

 

Apply for a Personal Loan

Payment example: 12.99% for 48 months equals $26.83 per $1,000 borrowed.

† Total amount of all unsecured loans and lines of credit may not exceed $50,000 per member.
^ 60 month term available for loan amounts of $15,001 or greater. Terms up to 48 months available for loan amounts of $15,000 or less.

 

MySolar Loans *<>

Annual Percentage Rate (APR) Max Term Limit
Rates Starting At...    
8.38% 60 Months $75,000
8.88% 120 Months $75,000
9.13% 180 Months $75,000

Payment example: 7.88% for 60 months equals $20.23 per $1,000 borrowed.

Apply for a MySolar Loan

Payment example: 8.38% for 60 months equals $20.46 per $1,000 borrowed.

* The rate is adjusted monthly according to the Prime Rate as published in the Wall Street Journal on the third Thursday of each month.

<> Interest rate fixed for life of the loan.

Credit Building Loans ^

Product Annual Percentage Rate Max Term

Limits

Share Secured View here 120 Months Available Balance in account.
Credit Builder Loan View here 36 Months $1,000.00

Apply for a Credit Building Loan

Payment example: 3.03% APR for 12 months equals $84.81 per $1,000 borrowed.

^ Interest rate is 3.00% above dividend earned.

Specialty Loans

Product Annual Percentage Rate Max Term Limits
Micro HEAT Loan 0.00% 24 Months $500 - $2,000
Standard HEAT Loan 0.00% 84 Months $2,001 - $15,000
Enhanced HEAT Loan 0.00% 84 Months $15,001 - $25,000
Non-Owner Occupied Standard HEAT Loan 0.00% 84 Months $5,000 - $25,000
Farm Share Loan 0.00% 6 Months $200 - $800

 

Payment example: 0.00% for 6 months equals $116.67 per $700 borrowed

Loan rates are subject to change at any time.