Loan Rates
New Vehicles
Effective Date: Friday, June 20th, 2025
| New Vehicles *Maximum $70,000 | Interest Rate |
|---|---|
| Credit Score | |
| Over 730 | 3.99% |
| 680 - 729 | 5.49% |
| 640 - 679 | 7.49% |
| 600 - 639 | 9.99% |
| 550 - 599 | 11.99% |
| Under 550 | 13.99% |
Used Vehicles
Effective Date: Friday, June 20th, 2025
| Used Vehicles *Maximum $50,000 | Interest Rate |
|---|---|
| Credit Score | |
| Over 730 | 4.99% |
| 680 -729 | 6.49% |
| 640 - 679 | 8.49% |
| 600 - 639 | 10.99% |
| 550 - 599 | 12.99% |
| Under 550 | 14.99% |
Unsecured Personal Loans
Effective Date: Friday, June 20th, 2025
| Individual Member *Maximum $10,000 | Interest Rate |
|---|---|
| Credit Score | |
| Over 730 | 9.00% |
| 630 -729 | 11.95% |
| 640 - 679 | 13.95% |
| 600 - 639 | 15.95% |
| 550 - 599 | 16.95% |
| Under 550 | 17.95% |
*Maximum $20,000 with One Co-Maker
*Maximum $30,000 with Two Co-Makers
*Maximum $40,000 with Two Co-Makers (All Credit Scores Over 680)
Home Equity (HELOC)
Effective Date: Friday, June 20th, 2025
| HOME EQUITY (HELOC) | Interest Rate* |
|---|---|
| Credit Score | |
| Over 730 | Prime-1/2 |
| 680 -729 | Prime-1/4 |
| 640 -679 | Prime |
| 600 - 639 | Prime+1/4 |
| 550 - 599 | Prime+1/2 |
| Under 550 | Prime+3/4 |
| *The PRIME RATE as Publsihed in the Money Column of The Wall Street Journal | |
Other Loans
Effective Date: Friday, June 20th, 2025
| Loan | Interest Rate |
|---|---|
| Secured Loans *Maximum $40,000 | 6.00% |
| VISA Credit Cards *Maximum $10,000 | 11.99% |