Loan Rates
The current prime rate is: 8.50%. Rates effective as of September 18, 2023. Rates subject to change at any time. |
Auto Loans @
Product | Annual Percentage Rate (APR) |
APR with 2,500 |
APR with |
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 |
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 | 18.00% | Revolving | $25,000.00 |
◊ 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 | 15.00% - 18.00% | Revolving | $25,000.00 |
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 ¥#
Max TermProduct
Annual Percentage Rate
rates starting at...
Up to 80% Loan-to-Value
Home Equity Loan6.99%
60 Months
Up to 80% Loan-to-Value
Home Equity Loan7.25%
120 Months
Up to 80% Loan-to-Value
Home Equity Loan7.38%
180 Months
Up to 80% Loan-to-Value
Home Equity Loan7.50%
240 Months
Over 80% to 90% Loan-to-Value
Home Equity Loan7.99%
60 Months
Over 80% to 90% Loan-to-Value
Home Equity Loan9.25%
120 Months
Over 80% to 90% Loan-to-Value
Home Equity Loan9.38%
180 Months
Over 90% to 100% Loan-to-Value
Home Equity Loan8.99%
60 Months
Over 90% to 100% Loan-to-Value
Home Equity Loan9.75%
120 Months
Over 90% to 100% Loan-to-Value
Home Equity Loan9.88%
180 Months
Payment example: 5.74% for 60 months equals $19.22 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
Payment example: 7.50% for 10 years equals $11.91 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
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
5.75%
36 Months
$15,000.00
Home Improvement
6.75%
60 Months
$15,000.00
Home Improvement
10.50%
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...
7.38%
60 Months
$75,000
7.88%
120 Months
$75,000
8.13%
180 Months
$75,000
Payment example: 4.49% for 60 months equals $18.64 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 ^
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.