The Search for Great Rates Ends Here
If you’re looking for excellent rates on credit cards, car loans, consumer loans, mortgages and more, look no further. We have the competitive rates you’re looking for. Check the tables below to see what’s available or download a rate sheet from the links below.
Certificate, Money Market, Savings & Checking Rates
Car, Truck, SUV, Personal Loans and VISA Credit Cards
Calculators | Apply Now | Open an Account
All rates are subject to change at any time without notice.
Vehicles - Effective as 12/5/22
New Car, Light Truck, Van or SUV
2019 and newer model years. Maximum loan $100,000
| Term | APR* Starting at |
Payment per Thousand | Note |
|---|---|---|---|
| 36 | 4.75% | $29.86 | |
| 48 | 4.875% | $22.97 | |
| 66 | 4.99% | $17.36 | |
| 72 | 5.99% | $16.57 | |
| 84 | 6.625% | $14.91 |
Used Car, Light Truck, Van or SUV
2016 - 2018 model years. Maximum loan $100,000.
| Term | APR* Starting at |
Payment per Thousand | Note |
|---|---|---|---|
| 36 | 4.75% | $29.86 | |
| 48 | 4.875% | $22.97 | |
| 66 | 4.99% | $17.36 | |
| 72 | 5.99% | $16.57 | |
| 84 | 6.625% | $14.91 |
Used Car, Light Truck, Van or SUV
2015 and earlier model years. Maximum loan $20,000. Up to 90% financing only.
| Term | APR* Starting at |
Payment per Thousand | Note |
|---|---|---|---|
| 36 | 6.50% | $30.65 | |
| 48 | 6.875% | $23.89 | |
| 66 | 7.25% | $18.42 |
New Motorcycle
2021 and newer model years. Maximum loan $50,000
| Term | APR* Starting at |
Payment per Thousand | Note |
|---|---|---|---|
| 48 | 5.875% | $23.43 | |
| 60 | 6.125% | $19.39 | |
| 72 | 6.50% | $16.81 | |
| 84 | 6.875% | $15.03 |
Used Motorcycle
2016 - 2020 model years, Maximum loan $50,000
| Term | APR* Starting at |
Payment per Thousand | Note |
|---|---|---|---|
| 48 | 6.00% | $23.49 | |
| 60 | 6.375% | $19.51 | |
| 72 | 6.99% | $17.04 |
New & Used Boat/RV
Maximum loan $75,000
| Term | APR* Starting at |
Payment per Thousand | Note |
|---|---|---|---|
| 60 | 8.99% | $20.75 | |
| 72 | 9.25% | $18.15 | |
| 84 | 9.50% | $16.34 | |
| 120 | 10.125*% | $13.28 | * $50,000 Minimum |
Personal (Signature)
Maximum loan Amount $20,000
| Term | APR* Starting at |
Payment per Thousand | Note |
|---|---|---|---|
| 12 | 10.50% | $88.15 | |
| 24 | 10.99% | $46.60 | |
| 36 | 11.99% | $33.21 | |
| 48 | 11.99% | $26.33 | |
| 60 | 12.99% | $22.75 | |
| 72 | 12.99% | $20.07 | Minimum loan $7,500 |
| 84 | 13.99% | $15.52 | Minimum loan $7,500 |
Smart CHOICE Personal Loan
Maximum loan Amount $15,000, up to 60 months term.
| Term | APR** | Payment per Thousand | Note |
|---|---|---|---|
| 60 | 9.99% | $21.24 | Minimum 690 credit score and maximum 40% debt-to-income ratio required. Other conditions apply. |
Holiday
Maximum loan $3,500
| Term | APR* Starting at |
Payment per Thousand | Note |
|---|---|---|---|
| 24 | 9.99*% | $46.14 |
Vacation
Maximum loan $3,500
| Term | APR* Starting at |
Payment per Thousand | Note |
|---|---|---|---|
| 24 | 9.99*% | $46.14 |
Peace of Mind
Maximum loan $12,000, Up to 72 months term.
| Term | APR* Starting at |
Payment per Thousand | Note |
|---|---|---|---|
| 72 | 10.75% | $18.91 | Available during the first 60 days of membership. |
Main Share Secured
Maximum loan $500,000. (Variable Rate)++
| Term | APR** | Payment per Thousand | Note |
|---|---|---|---|
| 60 | 3.05% | $17.99 |
Overdraft Protection
Maximum loan $5,000.
| Term | APR** | Payment per Thousand | Note |
|---|---|---|---|
| 13.75% | Monthly payment - Greater of $50.00 or 2 1/2% of outstanding balance. |
VISA Platinum - Effective as of 12/5/22
Maximum line $25,000.
| Type | APR |
|---|---|
| Purchases+ | 10.99% |
| Cash Advances++ | 11.24% |
VISA Gold - Effective as of 12/5/22
Maximum line $25,000
| Type | APR |
|---|---|
| Purchases+ | 11.99% |
| Cash Advances++ | 11.24% |
VISA Classic - Effective as of 12/5/22
Maximum line $10,000
| Type | APR |
|---|---|
| Purchases+ | 12.99% |
| Cash Advances++ | 11.24% |
Share Savings - Effective as of 12/02/22
| Type | APY** | Dividend Rate | Minimum Balance |
|---|---|---|---|
| Main Share | 0.05% | 0.05% | $25 |
| Checking, Basic | 0.00% | 0.00% | $0 |
| Class Act Checking | 0.00% | 0.00% | $0 |
| Checking, Dividend | 0.05% | 0.05% | $0 |
| eChecking Plus* | 0.05% | 0.05% | $0 |
| Stars & Stripes Checking | 0.00% | 0.00% | $0 |
| Holiday/Vacation Club | 0.15% | 0.15% | $0 |
| Back to School Club | 0.15% | 0.15% | $0 |
| Home Buyer Savings Account | 0.05% | 0.05% | $0 |
| IRA Savings | 0.10% | 0.10% | $0 |
Money Market - Effective as of 12/02/22
| Type | APY** | Dividend Rate | Minimum Balance |
|---|---|---|---|
| $2,000,000 and over | 4.00% | 3.93% | $2,000,000 |
| $75,000 - 1,999,999 | 0.65% | 0.65% | $75,000 |
| $50,000 - 74,999 | 0.50% | 0.50% | $50,000 |
| $25,000 - 49,999 | 0.15% | 0.15% | $25,000 |
| $2,500 - 24,999 | 0.10% | 0.10% | $2,500 |
Business Checking - Effective as of 12/02/22
| Type | APY** | Dividend Rate | Minimum Balance |
|---|---|---|---|
| Value Checking | 0.00% | 0.00% | $0 |
| Premier Checking | 0.00% | 0.00% | $0 |
Certificates and IRA Certificates - Effective as of 12/02/22
| Type**** | APY | Dividend Rate | Minimum Balance |
|---|---|---|---|
| 60 | 1.20% | 1.19% | $500.00/1000.00 |
| 48 | 1.20% | 1.19% | $500.00/1000.00 |
| 36 | 1.10% | 1.09% | $500.00/1000.00 |
| 30 | 3.51% | 3.45% | $500.00/1000.00 |
| 24 | 2.85% | 2.81% | $500.00/1000.00 |
| 18*** | 4.00% | 3.93% | $500.00/1000.00 |
| 12 | 0.40% | 0.40% | $500.00/1000.00 |
| 6 | 0.25% | 0.25% | $500.00/1000.00 |
| 3 | 0.10% | 0.10% | $500.00/1000.00 |
Certificates and IRA Premium Certificates - Effective as of 12/02/22***
| Type | APY | Dividend Rate | Minimum Balance |
|---|---|---|---|
| 60 | 1.30% | 1.29% | $50000.00 |
| 48 | 1.30% | 1.29% | $50000.00 |
| 36 | 1.15% | 1.14% | $50000.00 |
| 30 | 3.51% | 3.45% | $50000.00 |
| 24 | 2.85% | 2.81% | $50000.00 |
| 18*** | 4.00% | 3.93% | $50000.00 |
| 12 | 0.45% | 0.45% | $50000.00 |
| 6 | 0.30% | 0.30% | $50000.00 |
| 3 | 0.15% | 0.15% | $50000.00 |
Earned Rate Program: Minimum loan amount is $750.00 and minimum loan payment is at least $50.00 per month. The following disclosure applies to all loan types except the Overdraft Protection and Share Secured Loans.
* APR = Annual Percentage Rate. The APRs you receive is based on your credit history. The APRs quoted in this table reflect a 1.00% APR discount for direct deposit of net pay, Social Security, or pension benefits coupled with automatic payment. Rates are accurate as the date listed, subject to change and replace all previously quoted APRs. These offerings are for a limited time and may be withdrawn or changed at any time without notice. $55 vendor single interest (VSI) premium charge will be added to all vehicle, boat and RV loans.
All new auto, motorcycle, boat and RV loans will be based on 100% MSRP plus tax and title. All used auto, motorcycle, boat, and RV loans will be based on 100% NADA book value plus tax and title.
**APR=Annual Percentage Rate.
Equal Opportunity Lender.
+ APR = Annual Percentage Rate. The Purchase APR you receive is based on your credit history.
++ Credit card cash advance rates for VISA cards starting with 4739, 4820 and 4756 are a variable APR which are based on the month-end prime lending rate as published in The Wall Street Journal on the statement cycle date plus 4.99%. Minimum loan payment is $50.00 per month. Transaction fees of $10.00 or 1% of balances whichever is greater on cash advances, balance transfers, convenience checks and ATM cash advances. Balance transfers are considered cash advances.
(See: Credit Card disclosure)
To learn more about factors to consider when applying or using a credit card, visit the website of the CFPB at http://www.consumerfinance.gov.
*eChecking Plus – No monthly fee or minimum balance requirement. Members must have direct deposit, be enrolled in eStatements and conduct 5 transactions per month.
**APY = Annual Percentage Yield
***The 18-month share certificate is a limited-time promotional offer and subject to change or withdrawal at any time. Please note: The 18 month certificate will automatically renews at the end of the initial maturity as a 12 month certificate.
†The credit union does not provide a dividend on basic checking.
The annual percentage yields (APYs) are accurate as of the date printed above, subject to change, and replace all previously quoted APYs. The dividend rates and APYs for the above-mentioned share accounts may change every month as determined by the credit union board of directors. The APY is based on the assumption that funds remain on deposit. Fees could reduce the earnings on the share (savings) accounts. Contact Member Services at 1-800-338-0221.
Share Certificates:
** APY = Annual Percentage Yield.
***The APYs are accurate as of the date printed on the top of this page, subject to change at any time and replace all previously-quoted APYs. Contact Member Services at 1-800-338-0221 for current APYs. $500 minimum required for Coverdell Education Savings Share Certificate. $1,000 or $50,000 minimum balance required to open a non-IRA, traditional IRA or Roth IRA share certificates and earn the annual percentage yield (APY).
Penalty for early withdrawal of funds, which can reduce the earnings on the account.
For certificate holders, you will be paid this rate until maturity. The APY is based on the assumption that funds remain on deposit. A withdrawal will reduce earnings.
