Loan Rates
| The current prime rate is: 8.00%. Rates effective as of November 15, 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 | 7.24% | 6.99% | 6.74% | 67 to 72 Months |
| Autos: New, Used, and Refinancing | 8.29% | 8.04% | 7.79% | 73 to 84 Months |
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 |
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 |
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 |
Payment example: 3.90% for 36 months equals $29.53 per $1,000 borrowed.
Visa Credit Cards נ
Product | Annual Percentage Rate | Max Term | Limits |
|---|---|---|---|
| Rewards Visa Signature Credit Card | 17.50% - 18.00% | 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%.
| Product | Annual Percentage Rate | Max Term | Limits |
|---|---|---|---|
| Low Rate Visa Platinum Credit Card | 14.50% - 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 | 7.75% | 10 year draw, 10 year repay |
| Over 80% to 90% Loan-to-Value Home Equity Line of Credit | 9.00% | 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 |
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 | $100,000 |
| 8.88% | 120 Months | $100,000 |
| 9.13% | 180 Months | $100,000 |
Payment example: 7.88% for 60 months equals $20.23 per $1,000 borrowed.
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.