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Loan Rates

The current prime rate is: 4.75%. Rates effective as of December 2, 2019. Rates subject to change at any time.

Auto Loans @

Product Annual Percentage Rate Max Term
  Rates Start at...  
Autos New & Used 3.29% Up to 66 Months
Autos New & Used 3.79% Over 66 Months

Motorcycle Loans #

Product Annual Percentage Rate Term Limits
Motorcycle
New & Used
7.49% 36 Months 100% Financing
Motorcycle
New & Used
8.24% 48 Months 100% Financing
Motorcycle
New & Used
8.80% Over 48 Months 100% Financing

RV Loans #

Product Annual Percentage Rate Max Term
RV
New & Used
7.49% 36 Months
RV
New & Used
8.24% 48 Months
RV
New & Used
8.80% Over 48 Months

 

Bicycle Loans

Product Annual Percentage Rate Limit Maximum Term
  Rates Starting At...    
Standard Bicycle Loan 3.90% $5,000 24 Months
Quadrini Bicycle Exclusive 0% $5,000 24 Months

Visa Credit Cards נ

 

Product

Annual Percentage Rate Max Term Limits
Cash Back Visa Signature Credit Card 14.25% - 18.00% Revolving $25,000.00
Product Annual Percentage Rate Max Term Limits
Low Rate Visa Platinum Credit Card 11.25% - 15.25% Revolving $25,000.00

Fixed Home Equity Loans ¥#

Product Annual Percentage Rate

Max Term

Limits

  rates starting at...    
Retire Your Mortgage Up to 65% Loan-to-Value
Home Equity Loan`
3.99%

120 Months

$250,000.00
Up to 80% Loan-to-Value
Home Equity Loan
3.50%  60 Months $250,000.00
Up to 80% Loan-to-Value
Home Equity Loan
4.24% 120 Months $250,000.00
Up to 80% Loan-to-Value
Home Equity Loan
4.74% 180 Months $250,000.00
Up to 80% Loan-to-Value
Home Equity Loan
5.24% 240 Months $250,000.00
Over 80% to 90% Loan-to-Value
Home Equity Loan
5.75% 60 Months $250,000.00
Over 80% to 90% Loan-to-Value
Home Equity Loan
6.49% 120 Months $250,000.00
Over 80% to 90% Loan-to-Value
Home Equity Loan
6.99% 180 Months $250,000.00

`Max 65% LTV and must be in the 1st lien position

Home Equity Lines of Credit ¥#*

Product Annual Percentage Rate Max Term Limits
Up to 80% Loan-to-Value Home Equity Line of Credit 4.50% 10 year draw, 10 year repay  $250,000.00
Over 80% to 90% Loan-to-Value Home Equity Line of Credit 5.75% 10 year draw, 10 year repay  $250,000.00

Student Loans Rates - visit here

Personal Loans

Product Annual Percentage Rate Max Term Limits
Personal 13.50% 48 Months $15,000.00
Personal Line of Credit 13.50% Revolving $25,000.00
Overdraft Line of Credit 13.50% Revolving $25,000.00
Computer 9.90% 48 Months $15,000.00
Home Improvement 5.75% 36 Months $15,000.00
Home Improvement 6.75% 60 Months $15,000.00
Home Improvement 10.50% 84 Months $15,000.00
Energy & Fuel Conservation 3.90% 24 Months $3,000.00

 

Mass Solar Loans *<>

Income-Qualified? Annual Percentage Rate Max Term Limit
Yes 4.25% 120 Months $60,000
No 5.75% 120 Months $60,000

MySolar Loans *<>

Product Annual Percentage Rate Max Term Limit
  Rates Starting At...    
MySolar Loan 5.50% 60 Months $75,000
MySolar Loan 6.00% 120 Months $75,000
MySolar Loan 7.00% 180 Months $75,000

Credit Building Loans ^

Product Annual Percentage Rate Max Term

Limits

Share Secured View here 120 Months Available Balance in account.
Credit Builder Loan View here 36 Months $1,000.00

Specialty Loans

Product Annual Percentage Rate Max Term Limits
Micro HEAT Loan 0.00% 24 Months $500 - $2,000
Standard HEAT Loan 0.00% 84 Months $2,001 - $15,000
Enhanced HEAT Loan 0.00% 84 Months $15,001 - $25,000
Non - Owner Occupied Standard HEAT Loan 0.00% 84 Months $5,000 - $25,000
Farm Share Loan 0.00% 6 Months $200 - $800

 

Loan rates are subject to change at any time.

@ Annual Percentage Rate and maximum loan-to-value based on your credit score, vehicle age, and vehicle mileage. Your actual rate may be higher.

# Property insurance required.

◊ Variable rates subject to change. Rates are based on an index of Prime Rate plus a margin of 6.50%, 7.50%, 8.50%, or 10.50% based on your credit score. 

† Total amount of all unsecured loans and lines of credit may not exceed $50,000 per member.

¥ Annual Percentage Rate is based on a combination of your credit score and loan to value. Your actual rate may be higher.

* The rate is adjusted monthly according to the Prime Rate as published in the Wall Street Journal on the third Thursday of each month.

<> Interest rate fixed for life of the loan.

§ Maximum term for home heating is 12 months, unless a Secondary Share Account has been established to pay for the following years heating expenses.

^ Interest rate is 3.00% above interest earned.