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Current Rates

Accurate as of 01/01/2022
Rates are subject to change without notice and subject to credit approval.
APR = Annual Percentage Rate
Rates are based on an evaluation of credit history and other factors specific to your loan and may be higher than the lowest rate advertised.

Auto Fixed Rate APR
New & Used Autos/Trucks 1.74%* to 17.90%

*Rates reflect possible .50% discount based on services used. All loans subject to approval.

Recreational Fixed Rate APR
Boats & RVs 3.24%* to 17.90%
Motorcycles, Jet Skis, Watercraft, Snowmobiles, ATVs 3.24%* to 17.90%

*Rates reflect possible .50% discount based on services used

Home Equity Lines of Credit Variable Rate APR
Home Equity 3.50%* to 9.00% up to 90% LTV

*Rates reflect possible .50% discount based on services used


  • Rates, terms and conditions are subject to change without notice.
  • HELOC rate based on prime rate plus margin from .25% to 5.75%, with relationship discounts. Prime assessed quarterly.
  • Closing costs typically limited to appraisal for HELOC
  • For loan amounts over $250,000 or internal refinances within one year, member is responsible for paying all closing costs, which typically include: appraisal, title, tax tracking, credit report, and flood fees. Other fees may apply, and terms are subject to change.
  • HELOC has a repayment period up to 15 years with a 10-year draw period that is interest payments only
  • Rates for investment property are 2% higher than the published rate for the HELOC and subject to all fees and costs
  • No annual fee
  • HELOC variable rate will not exceed 18% APR and will not be lower than 2.99% APR, rates may change quarterly
Visa® Cards Variable Rate APR
Visa Platinum Purchase Rate: 7.99%* to 17.24%*
Cash Advance Rate: 10.99% to 17.90%

*Rates reflect a .25% relationship discount

Visa Luna®
  • For cards opened after 7/16, the $29 annual fee may be waived with annual net purchases of at least $10,000.
Purchase Rate: 11.99% to 17.90%
Cash Advance Rate: 16.99% to 17.90%
Fixed Rate APR
Secured Visa 17.90%
Other Loans Fixed Rate APR
Signature Loans 9.49% to 17.90%
Certificate Secured 3.00% over dividend rate
  • Repayment Period up to term of Certificate on certificate secured loan.
  • Certificate secured up to available balance
Variable Rate APR
Personal Line of Credit 7.75% to 16.25%
  • Rate based on prime rate plus margin from 4.5% to 13%
  • Prime assessed quarterly
  • Note: there are no relationship discounts on this product
Share Secured 3.00% over dividend rate

Today's Rates

January 22, 2022

Home Equity Line of Credit

as low as 3.50% APR


as high as 0.90% APY

Visa Rates

as low as 7.99% APR

Auto/Truck (New/Used)

as low as 1.74% APR

Bonus Checking

0.90% APY