Auto & Signature Loan Rates

Loan Rates Effective As Of: January 1, 2018                                   

All percentage rates below are stated as APR-Annual Percentage Rate.

 
 
Grading A+ A B C D E
Beacon Score 720+ + 680-719  640-679 600-639  550-599 549 & Below
Auto Loans (Titled & Licensed Vehicles)
Model Years A+ A B C D E
2014-2018      to 72 Months 2.74% 3.24% 5.24% 8.24% 11.24% 14.24%
 2009-2013    to 66 Months* 3.74% 4.24% 6.24% 9.24% 12.24% 15.24%
2014-2018 >$30,000           to 84 Months 3.99% 4.49% N/A N/A N/A N/A
 *2008 & Older use 2009-2013 rates; effective up to 48 months; PURCHASE ONLY; Minimum Value of $5,000; and a member Beacon Score of 640 and greater
Recreational Vehicles (Titled & Licensed Vehicles)
Model Years A+ A B C D E
2014-2018     to 72 Months  6.24% 6.74% 8.24% 9.24% 12.24% 15.24%
2009-2013    to 66 Months* 7.24% 7.74% 9.24% 10.24% 13.24% 16.24%
2014-2018  >$30,000  to 84 Months  7.49% 7.99% 9.49% 10.49% 13.49%  16.49%
*2008 & older use 2009-2013 rates; effective up to 48 months; PURCHASE ONLY; Minimum Value of $5,000; and a member Beacon Score of 640 and greater.
Unsecured Loans
Term A+ A B C D E
12 Months 5.99%* 6.49% 7.49% 9.24% 11.74% 13.24%
24 Months 6.24% 6.74% 7.74% 9.49% 11.99% 13.49%
36 Months 6.49% 6.99% 7.99% 9.74% 12.24% 13.74%
48 Months 6.74% 7.24% 8.24% 9.99% 12.49% 13.99%
Share/CD Secured  3.24% 3.24% 3.24% 3.24% 3.24% 3.24%
Lines of Credit
Regular Prime + 6.0 10.50%
Plus Prime + 3.0 7.50%
Premium Prime 4.50%
Overdraft 17.00%
Stretch Pay 18.00%
 * Rate is a promotional rate and is subject to change at any time.