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Loan Products

New/Current Year (Under 15,000 Miles)
Effective Date: January 3, 2024
TermA+ (720 and Up)A (685 - 719)B (655 - 684)C (620 - 654)D (585 - 619)E (584 or Less)
36 Months 5.25% 5.25% 5.69% 13.15% n/a n/a
48 Months 5.40% 5.40% 5.89% 13.40% n/a n/a
60 Months 5.40% 5.40% 6.00% 13.60% n/a n/a
66 Months 5.50% 5.50% 7.35% 12.10% n/a n/a
72 Months 5.75% 5.75% 8.10% 12.35% n/a n/a
84 Months 6.50% 6.50% 9.00% 13.90% n/a n/a
All rates are displayed with the APR  (Annual Percentage Rate). Rates for members with a D or E credit score are unavailable.

Used: 1 & 2 Years
Effective Date: January 3, 2024
TermA+ (720 and Up)A (685 - 719)B (655 - 684)C (620 - 654)D (585 - 619)E (584 or Less)
36 Months 5.50% 5.50% 7.65% 11.15% n/a n/a
48 Months 5.50% 5.50% 7.80% 12.00% n/a n/a
60 Months 5.75% 5.75% 7.85% 12.85% n/a n/a
66 Months 6.00% 6.00% 8.15% 13.02% n/a n/a
72 Months 6.65% 6.65% 8.65% 13.85% n/a n/a
All rates are displayed with the APR (Annual Percentage Rate). Rates for members with a D or E credit score are unavailable.

Used: 3 & 4 Years
Effective Date: January 3, 2024
TermA+ (720 and Up)A (685 - 719)B (655 - 684)C (620 - 654)D (585 - 619)E (584 or Less)
36 Months 6.75% 6.85% 9.10% 10.90% n/a n/a
48 Months 7.05% 7.15% 9.30% 11.10% n/a n/a
60 Months 7.25% 8.65% 9.85% 11.35% n/a n/a
66 Months 7.75% 9.15% 10.00% 12.40% n/a n/a
All rates are displayed with the APR (Annual Percentage Rate). Rates for members with a D or E credit score are unavailable.

Used: 5 Years & Older
Effective Date: January 3, 2024
TermA+ (720 and Up)A (685 - 719)B (655 - 684)C (620 - 654)D (585 - 619)E (584 or Less)
36 Months 8.00% 9.50% 12.75% 15.45% n/a n/a
48 Months 8.20% 9.45% 12.95% 15.70% n/a n/a
60 Months 8.60% 9.70% 13.00% 15.95% n/a n/a
All rates are displayed with the APR (Annual Percentage Rate). Rates for members with a D or E credit score are unavailable.

Other Collateral Loan Rates

New 1 & 2 Model Year
Effective Date: January 3, 2024
TermA+ (720 and Up)A (685 - 719)B (655 - 684)C (620 - 654)D (585 - 619)E (584 or Less)
36 Month 8.00% 8.00% 10.00% 12.25% n/a n/a
48 Month 8.10% 8.10% 10.25% 12.35% n/a n/a
60 Month 8.25% 8.25% 10.50% 12.65% n/a n/a
66 Month 8.25% 8.65% 11.00% 12.75% n/a n/a
72 Month 9.25% 9.25% 12.50% 13.35% n/a n/a
84 Month 10.00% 10.00% 12.65% 13.95% n/a n/a
All rates are displayed with the APR (Annual Percentage Rate). Rates for members with a D or E credit score are unavailable.

3 and Older Model Year
Effective Date: January 3, 2024
TermA+ (720 and Up)A (685 - 719)B (655 - 684)C (620 - 654)D (585 - 619)E (584 or Less)
36 Month 9.00% 10.00% 13.00% 14.25% n/a n/a
48 Month 9.25% 10.25% 13.10% 14.45% n/a n/a
60 Month 9.85% 10.85% 13.30% 14.75% n/a n/a
66 Month 10.00% 11.00% 13.50% 15.00% n/a n/a
72 Month 10.40% 11.40% 13.75% 15.70% n/a n/a
All rates are displayed with the APR (Annual Percentage Rate). Rates for members with a D or E credit score are unavailable.

Signature/Unsecured Loan Rates
Effective Date: January 2016
TermA+ (720 and Up)A (685 - 719)B (655 - 684)C (620 - 654)D (585 - 619)E (584 or Less)
36 Month 9.00% 10.00% 12.00% 15.00% 17.00% 18.00%
48 Month 10.00% 11.00% 13.50% 16.50% 17.50% n/a
All rates are displayed with the APR  (Annual Percentage Rate)

Share Secured Loan Rates
Effective Date: June 1, 2020
TermA+ (720 and Up)A (685 - 719)B (655 - 684)C (620 - 654)D (585 - 619)E (584 or Less)
Dividend Rate + 3.00%
All rates are displayed with the APR  (Annual Percentage Rate).

Competitive Rate Adjustments:  Secured Loans only - AVP and above authorization = down to 25bp below base rate.

Long Term Auto Loans
Long Term Auto Loans (Term of 66-months or Greater)
66-Month Term Minimum Loan amount must be equal to or greater that $12,000.00
For loan balances below $12,000 member must have 10% equity in Auto.
72-Month Term Minimum Loan amount must be equal to or greater that $15,000.00
For loan balances below $15,000 member must have 20% equity in Auto.
84-Month Term Minimum Loan amount must be equal to or greater that $30,000.00
For loan balances below $30,000 member must have 30% equity in Auto.

Credit Score Table
Credit Score GradeCredit Score Range
A+ 720 and Up
A 685 - 719
B 655 - 684
C 620 - 654
D 585 - 619
E 584 or Less

Deposit Products

Dividend Rates
Effective Date: August 19, 2022
Account TypeAPRAPYRequired Minimum Balance
IRA Account 0.75% 0.75% $100.00
Savings 0.15% 0.15% $100.00 - $2,499.00
Savings 0.50% 0.50% $2,500+
Wish Account 0.25% 0.30% $100.00
APR = Annual Percentage Rate
APY = Annual Percentage Yield

Certificates of Deposit
Effective Date: May 2021
Account TypeAPRAPYRequired Minimum Balance
6 month 0.45% 0.30% $500.00
12 month 0.50% 0.50% $500.00
18 month 0.55% 0.55% $500.00
24 month 0.80% 0.80% $500.00
36 month 0.80% 0.80% $500.00
48 month 0.80% 0.80% $500.00
APR = Annual Percentage Rate
APY = Annual Percentage Yield

Fee Schedule
ServiceFee
Account Activity Printout $1 per printout
Account Research $5 per hour; $20 minimum fee
Deposit Item Return $20 per return item
Dormant Account $5 per month
Fax (outgoing)… $2 per fax
Teller Check $2 per check
(charge waived on first check, any additional will be assessed the $2 per check fee)
Loan Application $25 per loan request
Late Loan Payment $25 per occurence
Teller Check Reversal $2 per reversal
Excessive Withdrawals $5 per withdrawal
(limit of 6 transactions withdrawals per quarter)
Share Wish Withdrawals $25 per withdrawal
(limit of 1 withdrawal per annual period)
Stop Payment $20 per check