Current Loan Rates
Today’s rates as of November 14, 2023
New & Used Auto
| Terms Up to 84 Months | APR* |
|---|---|
| Maximum of 125% of MSRP | New Auto Loan: As Low As 5.99% |
| Maximum of 120% of Kelly Blue Book (including tax, title, license, GAP, and MBI) | Used Auto Loan: As Low As 6.25% |
Mortgage
| First Mortgages: Fixed and Variables Programs Available | |
|---|---|
| 10/1 ARM | Call for Updated Rates – 0 Points |
Home Equity Lines of Credit (HELOC)
| Adjustable Rate | APR* | |
|---|---|---|
| Up to 80% | Maximum of $500,000 | – Rate is variable and is based on the Prime Rate Index as published in the Wall Street Journal. – Minimum floor rate 4.00%; Maximum cap rate 18.00%. – Applicant’s rate may be higher and CLTV may be lower depending on credit profile and other qualification requirements. |
| 10 Year Draw | Tied to Prime Rate plus a margin based on FICO | |
| Payments Amortized Over 15 Years | No Cost to Member | |
| No cost if loan remains open for 12 months and are not eligible for Skip a Pays |
Personal Loans
| Type | APR* |
|---|---|
| Personal (for Vacation, Tax, Bill Payment, etc.) | As Low As 12.74% |
| myPet Care Loan | As Low As 12.74% |
Secured Loan
| Type | APR* |
|---|---|
| Share Secured Loan | Rates 3.00% above share rate |
| Certificate Secured Loan | Rates 3.00% above certificate rate |
Line of Credit
| Type | APR* |
|---|---|
| Personal Line of Credit | As Low As 12.99% |
Classroom Supply Loans
| Loan Type | APR* |
|---|---|
| Purchasing Classroom Supplies (Minimum Monthly Payment is $100 for Full Loan Amount. Not Eligible for Skip-A-Pay. Limited to One Classroom Supply Loan per Year) | 0% up to $1,000 |
School Employee Loans
| Loan Type | APR* |
|---|---|
| For school related items like uniforms, shoes, and equipment. All classified employees and teachers are eligible. Loan is amortized over 10 months with a minimum monthly payment of$50. | 0% up to $500 |
Electronic Device Loans
| For Educators | APR* |
|---|---|
| For mobile devices, tablets, and PCs | 4.99% |
| Up to 24 Month Terms (Not Eligible for Skip-A-Pay) | Loan Amount up to $2,500 |
REEL/Energy Efficient Loan
For Homeowners with Credit Scores >640
| Product (fixed rate) | Min Loan Amount | Max Loan Amount | Tier 1 FICO 720+ | Tier 2 FICO 680 – 719 | Tier 3 FICO 640 – 679 |
|---|---|---|---|---|---|
| 5 Years | $2,500 | $30,000 | 4.99% | 5.99% | 6.99% |
| 10 Years | $2,500 | $30,000 | 5.99% | 6.99% | 7.99% |
| 15 Years | $2,500 | $20,000 | 6.99% | 7.99% | 8.10% |
For Homeowners with Credit Scores 639-600
| Product (fixed rate) | Min Loan Amount | Max Loan Amount | Tier 4 FICO 639 – 600 |
|---|---|---|---|
| 5 Years | $2,500 | $20,000 | 7.49% |
| 10 Years | $2,500 | $20,000 | 7.99% |
For Renters with Credit Scores >640
| Product (fixed rate) | Min Loan Amount | Max Loan Amount | Tier 1 FICO 720+ | Tier 2 FICO 680 – 719 | Tier 3 FICO 640 – 679 |
|---|---|---|---|---|---|
| 5 Years | $2,500 | $20,000 | 5.99% | 6.99% | 7.49% |
| 10 Years | $2,500 | $20,000 | 6.99% | 7.99% | 8.10% |
For Renters with Credit Scores 639 – 600
| Product (fixed rate) | Min Loan Amount | Max Loan Amount | Tier 1 FICO 720+ |
|---|---|---|---|
| 5 Years | $2,500 | $10,000 | 7.99% |
| 10 Years | $2,500 | $10,000 | 8.10% |
2nd Trust Deed
| Fixed Rate and Term | APR* | |
|---|---|---|
| Terms Up to 15 Years | Maximum of $500,000 | As Low As 8.00% |
| Fully Amortized | No Cost to Member |
*APR: Annual Percentage Rate. Rates subject to change without notice. All rates quoted include automatic payment discount is 1%. Contact us directly for more information. Other terms and conditions may apply. NMLS Number: 450198