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Loan Rates

The current prime rate is: 3.25%. Rates effective as of February 8, 2021. Rates subject to change at any time.

Auto Loans @

Product Annual Percentage Rate Max Term
  Rates Start at...  
Autos: New, Used, and Refinancing 1.99% Up to 66 Months
Autos: New, Used, and Refinancing 2.49% Over 66 Months

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

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

# Property insurance required.

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

 

# Property insurance required.

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 12.75% - 18.00% Revolving $25,000.00
Product Annual Percentage Rate Max Term Limits
Low Rate Visa Platinum Credit Card 9.75% - 13.75% Revolving $25,000.00

◊ 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.

Fixed Home Equity Loans ¥#

%Product Annual Percentage Rate

Max Term

Limits

  rates starting at...    
Up to 80% Loan-to-Value
Home Equity Loan
2.99%  60 Months $250,000.00
Up to 80% Loan-to-Value
Home Equity Loan
3.24% 120 Months $250,000.00
Up to 80% Loan-to-Value
Home Equity Loan
3.49% 180 Months $250,000.00
Up to 80% Loan-to-Value
Home Equity Loan
3.74% 240 Months $250,000.00
Over 80% to 90% Loan-to-Value
Home Equity Loan
5.24% 60 Months $250,000.00
Over 80% to 90% Loan-to-Value
Home Equity Loan
5.49% 120 Months $250,000.00
Over 80% to 90% Loan-to-Value
Home Equity Loan
5.74% 180 Months $250,000.00

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

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

# Property insurance required.

Home Equity Lines of Credit ¥#*

Product Annual Percentage Rate Max Term Limits
12 Month Special Introductory Rate^ 1.99% 10 year draw, 10 year repay $250,000.00
Up to 80% Loan-to-Value Home Equity Line of Credit 3.50% 10 year draw, 10 year repay  $250,000.00
Over 80% to 90% Loan-to-Value Home Equity Line of Credit 4.25% 10 year draw, 10 year repay  $250,000.00

 

^Introductory 1.99% APR available for the first 12 months. After the introductory period expires, your interest rate will be variable based on the prime rate and a combination of your home, income, credit score, credit verification, and LTV. The current prime rate is 3.25%.

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

# Property insurance required.

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

Student Loans Rates - visit here

CES Continuing Education Loans

Annual Percentage Rate Limit Maximum Term
8.50% $22,000 84 Months

Personal Loans

Product Annual Percentage Rate Max Term Limits
Personal 11.99% 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

 

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

MySolar Loans *<>

Annual Percentage Rate Max Term Limit
Rates Starting At...    
4.49% 60 Months $75,000
4.99% 120 Months $75,000
5.99% 180 Months $75,000

* 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.

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

^ Interest rate is 3.00% above interest earned.

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.