All Loan Rates
First Mortgages, Second Mortgages, Home Equity Lines of Credit Also Available
*Annual Percentage Rates (APR) are based on the member’s individual creditworthiness. Risk-based pricing applies. Rates will never exceed the usury limit set by the NCUA, which is currently 18% APR. Loans exempt from Risk Based Pricing are: Tuition Loans, Home Equity Loans and Visa Credit Cards.
Click here @aria-label: home equity early disclosure pdf for Home Equity Disclosure
Automobiles
Effective 01/01/2026
| Year | APR starting at: | Term |
|---|---|---|
| 2025-2026(new/untitled) | 4.99% APR* | Up to 84 Months |
| 2025(over $30,000) | 4.99% APR* | Up to 84 Months |
| 2024(over $15,000) | 4.99% APR* | Up to 72 Months |
| 2019-2023 | 4.99% APR* | Up to 60 Months |
| 2016-2018 | 4.99% APR* | Up to 48 Months |
Visa Credit Cards
| Credit Card Type | APR | |
|---|---|---|
| Visa Platinum with ScoreCard Rewards | 9.99% APR* | |
| Visa Classic with ScoreCard Rewards | 14.99% APR* |
Motorcycles
Effective 01/01/2026
| Rate | ||
|---|---|---|
| Rates starting at 5.49% APR* | ||
Boats
| Loan Amount | APR rates starting at | Term |
|---|---|---|
| Up to $15,000 | 7.74% | Up to 72 Months |
| Over $15,000 | 7.99% | Up to 120 Months |
Tent Campers, Snowmobiles, ATVs, & Personal Watercraft
| Rate | ||
|---|---|---|
| Rates starting at 7.99% APR* | ||
Other Loans
| Loan | APR | |
|---|---|---|
| Signature | Starting at 9.00%* | |
| Computer | Starting at 9.00%* | |
| Share Covered | 4.05%* | |
| Tuition | 4.99%* (12 Months) |