Borrow Rates
Save money month after month with exceptional rates on a broad array of products from mortgages and home equity lines to credit cards and vehicle loans.
View All RatesPrime Rate
Effective July 27th 2023
8.50%
Home Equity Line of Credit (HELOC)
Rate
APR1
Prime -0.50% for LIFE
8.0000
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Term (Years)
Rate
APR2
Cost / $1,000
5
0.0725
0.0750
19.9200
10
0.0738
0.0750
11.8100
15
0.0738
0.0788
9.2000
20
0.0800
0.0810
8.3600
View Disclosures
The rate listed is the Annual Percentage Rate (APR) which is variable and is equal to The Wall Street Journal Prime Rate minus 0.50%, subject to a minimum rate of 3.00% and a maximum rate of 18% or the maximum rate permitted by law, whichever is less. Prime as of 7/27/2023 was 8.50%. This APR is available for new home equity lines only. Line must be secured by a 1-4 family home or condo. Primary residences only. The maximum combined loan-to-value is 80%. A $395 fee will be assessed if the line is closed within the first two years. Rates are subject to change. Property insurance will be required. Subject to credit approval.
Fixed rate loan option is only available during the home equity line of credit draw period. Minimum conversion amount is $5,000. Options available for fixed rate terms of 5, 10, or 15 years provided no fixed rate loan extends more than 30 years from the initial date of the mortgage that secures your home equity line of credit. Maximum of 3 fixed rate loans. Contact us for more information.
Equity is determined based on the current year assessed value. An appraisal will be required for line amounts greater than or equal to $400,000. Appraisal to be paid by member. Appraisal fees begin at $500 for single-family and $650 for multi-family.
Homes recorded in a Trust - fees may apply.
Auto Loans
model year
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term (months)
Apr1 As low as
Cost / $1,000
up to 63
0.0634
18.7000
up to 66
0.0634
17.9900
up to 75
0.0699
16.5000
up to 84
0.0814
15.6600
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term (months)
Apr1 As low as
Cost / $1,000
up to 63
0.0649
18.7700
up to 66
0.0649
18.0600
up to 75
0.0699
16.5000
up to 81
0.0814
16.0900
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term (months)
Apr1 As low as
Cost / $1,000
up to 63
0.0649
18.7700
up to 66
0.0649
18.0600
up to 75
0.0709
16.5400
up to 78
0.0824
16.6000
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term (months)
Apr1 As low as
Cost / $1,000
up to 60
0.0714
19.8700
up to 66
0.0729
18.4400
up to 66
0.0834
18.9400
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term (months)
Apr1 As low as
Cost / $1,000
up to 60
0.0824
20.3900
up to 66
0.0834
18.9400
View Disclosures
The APR is effective as of 04/19/2024 and subject to change. Maximum loan amount is $100,000.00. Maximum loan-to-value for gas and hybrid vehicles is 120% and for electric vehicles is 75%. Maximum loan-to-value for Tier 4 borrowers is 100% (No Exceptions). Loan-to-value maximums includes full purchase price plus sales tax. Other terms and conditions may apply. Rates vary based on term, credit score and model year. Subject to credit approval.
Visa® Credit Card
RAte Type
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margin
APR1
First 6 Months
0.0000
0.0000
After 6 Months Prime +
0.0174
0.1024
Balance Transfers are 0% for 6 months and then Prime + 1.74% until the transferred balance is paid off.
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margin
APR2
As Low As Prime +
0.0574
0.1424
Maximum rate is 18%.
View Disclosures
Annual Percentage Rate (APR) of 0.00% is for balance transfers for the first 6 monthly billing statements, then the APR will be a low variable rate of Prime Rate plus 1.74%, currently 10.24%. The 10.24% APR is variable and is equal to The Wall Street Journal Prime Rate + 1.74%. The APR will be adjusted on the first day of each billing month by adding 1.74% (the “margin”) to The Wall Street Journal Prime Rate as published on the last business day of the preceding calendar month (the "index"). This rate is available for balance transfers only. Balance transfers can not be used to pay down an existing Direct Federal loan balance.
Annual Percentage Rate (APR) based on your creditworthiness for purchases and cash advances. The APR is variable and will be adjusted on the first day of each billing cycle by adding 5.74%, 8.74% or 9.50% (the “margin”) to The Wall Street Journal Prime Rate as published on the last business day of the preceding calendar month (the "index").
Cash Back applies to purchases posted on your account less credits for returned merchandise. Point cash value of $.01 will be earned for every qualifying dollar. Minimum of 5,000 points required for redemption. Rewards will be redeemed every November.
Mortgage Loans
Type
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Rate
APR2
Cost4 / $1,000
5-10 YEAR FIXED
0.06500
0.06614
11.35
15-YEAR FIXED
0.06500
0.06581
8.71
30-YEAR FIXED
0.07000
0.07053
6.65
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Rate
APR²
Cost / $1,0004
15-YEAR FIXED
0.07000
0.07227
8.99
30-YEAR FIXED
0.07125
0.07266
6.74
View Disclosures
Single Family up to $766,550, 2 Unit up to $981,500, 3 Unit up to $1,186,350, 4 Unit up to $1,474,400. Call for our increased loan limits in designated High-Cost Areas.
Annual Percentage Rate (APR). The interest rate and APR are subject to change. Your actual rate will depend on various factors including, but not limited to, loan type, credit profile, property type, appraised value, occupancy, subordinate financing and loan size. Mortgage loans cannot exceed $2,000,000.00. Assumes 20% down and 0 points. Subject to credit approval.
Rates are based on current pricing and are subject to change at any time without notice. Rates are determined by certain factors, including loan amount, creditworthiness, loan-to-value (LTV), loan term, occupancy status, property type, loan purpose, property location, and lien position, so your rate could be higher. Advertised rates are based on the following loan assumptions – a purchase of a single-family, owner-occupied residence, with an LTV of 50% or less, a credit score of 800 or higher, based on a loan term displayed above, and the loan will be a first lien. Additional loan programs are available. Mortgage insurance may be required depending on loan guidelines. All loans are subject to approval, other conditions may apply.
Payments shown to not include taxes or insurance. Your payment may be greater.
Personal Loans
Personal loan Rates
APR1
As low as
0.1449
Maximum rate is 18%.
View Disclosures
The rate listed is the Annual Percentage Rate (APR). The APR is effective as of 07/28/2023 and subject to change. Other terms and conditions may apply. APR of 14.49%, 17.49%, or 18.00% based on your creditworthiness. The maximum loan amount is $25,000. The maximum unsecured loans to one borrower is $50,000. Subject to Underwriting.
Business Rates
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