Loan Rates

Vehicles

(*)APR=Annual Percentage Rate. **Rates below include a .50% discount for the Member Service Rewards for having 4+ services with the CU and a 0.125% discount for adding Debt Protection and/or GAP on loans and a 0.125% discount for Mechanical Repair Coverage on auto loans. Rates and Terms are subject to change without notification. Rates are effective as of January 1, 2026.
Loan Type	APR* as low as	Term
New Vehicle (2025- 2026)
	4.51%**	up to 48 mo.
	4.51%**	up to 60 mo.
	4.51%**	up to 72 mo.
	5.75%**	up to 84 mo.
Used Vehicle (2018 - 2025)
	4.51%**	up to 48 mo.
	4.51%**	up to 60 mo.
	4.51%**	up to 72 mo.
	5.75%**	up to 84 mo. *only eligible for 2020 and newer vehicles
Used Vehicle (2013 - 2017)
	6.75%	up to 48 mo.
	8.50%	up to 60 mo. if loan amount is over $10,000
Used Vehicle (2012 & older) max mileage 150,000
	10.99%	up to 48 mo.
DRIVE4LESS (New 2025 - 2026)
	5.135%**	up to 48 months
	5.135%**	up to 60 months
	5.135%**	up to 72 months
DRIVE4LESS (Used 2020 - 2025)
	5.135%**	up to 48 months
	5.135%**	up to 60 months
	5.135%**	up to 72 months
New ATV/Snowmobile/Motorcycle (2026 listed as new or within 6 mo. of new)
	4.625%**	up to 36 mo.
	5.625%**	up to 48 mo.
	6.625%**	up to 60 mo.
	7.625%**	up to 72 mo.
Used ATV/Snowmobile/Motorcycle (2015 - 2025)
	4.875%**	up to 36 mo.
	5.875%**	up to 48 mo.
	6.875%**	up to 60 mo.
	7.875%**	up to 72 mo.
Older Motorcycle (2014 & older)
	7.875%**	up to 36 mo.
	8.875%**	up to 48 mo.
New Camper/Boat (2026 listed as new or within 6 mo. of new)
	5.365%**	up to 60 mo.
	5.865%**	up to 72 mo.
	6.665%**	up to 84 mo.
	8.365%**	up to 120 mo.
Used Camper/Boat (2015 - 2025)
	5.665%**	up to 60 mo.
	6.165%**	up to 72 mo.
	8.865%**	up to 84 mo.
Older Camper/Boat (2012 - 2014)
	10.365%**	up to 48 mo.
Older Camper/Boat (2004 - 2011)
	11.125%**	up to 42 mo.
New 2026 Side by Side/UTV
	5.365%**	up to 48 mo.
	5.625%**	up to 60 mo.
	6.125%**	up to 72 mo.
	6.625%**	up to 84 mo.
Used 2015 - 2025 Side by Side/UTV
	6.365%**	up to 48 mo.
	6.625%**	up to 60 mo.
	7.365%**	up to 72 mo.
	7.625%**	up to 84 mo.

Personal & Shared Secured

(*)APR=Annual Percentage Rate. **Rates below include a .50% discount for the Member Service Rewards for having 4+ services with the CU and a 0.125% discount for adding Debt Protection to loan. Rates and Terms are subject to change without notification.
Loan Type	APR* as low as	Term
Signature Loan	12.865%**	0 to 60 mo.
Co-Maker Loan	10.865%**	0 to 60 mo.
50% Secured by Shares	10.475%**	0 to 60 mo.
100% Secured by Shares	2.00% over current savings or share certificate rate	0 to 60 mo.

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Visa Cards

Loan Type	APR* as low as	Term
VISA Credit Card	12.90%
(*)APR=Annual Percentage Rate - Rates and Terms are subject to change without notification.

Mortgage & Home Equity

NMLS ID# 422133 (*)APR=Annual Percentage Rate. **Rates below include a .50% discount for the Member Service Rewards for having 4+ services with the CU and a 0.125% discount for adding Debt Protection to the loan. Rates and Terms are subject to change without notification. Min. new money $15,000.
Loan Type	APR*as low as	Term
Home Equity Rates are for 1st Lien only. Please contact CU for 2nd Lien rates.	4.625%**	5 Year
	5.125%**	10 Year
	5.625%**	15 Year
Mortgage Loans	Varies	15, 20 & 30 year

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NMLS ID# 422133 Rates effective October 1st, 2025. Rates and Terms are subject to change without notification. Fees could reduce the earnings on savings accounts. (*)as low as (**)APY/APR = Annual Percentage Yield/Annual Percentage Rate