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.
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Prime 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.
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Auto Loans

model year

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term (months)
Apr1 As low as
Cost / $1,000
up to 63
0.0664
18.8400
up to 66
0.0664
18.1300
up to 75
0.0699
16.5000
up to 84
0.0799
15.5800
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term (months)
Apr1 As low as
Cost / $1,000
up to 63
0.0664
18.8400
up to 66
0.0664
18.1300
up to 75
0.0699
16.5000
up to 81
0.0799
16.0100
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term (months)
Apr1 As low as
Cost / $1,000
up to 63
0.0689
18.9600
up to 66
0.0689
18.2500
up to 75
0.0724
16.6200
up to 78
0.0809
16.5300
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term (months)
Apr1 As low as
Cost / $1,000
up to 60
0.0749
20.0300
up to 66
0.0764
18.6000
up to 72
0.0829
17.6800
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term (months)
Apr1 As low as
Cost / $1,000
up to 60
0.0849
20.5100
up to 72
0.0829
17.6800
View Disclosures
The APR is effective as of 02/08/2024 and subject to change. Maximum loan amount is $100,000.00. Maximum loan-to-value is 120% (full purchase price plus sales tax). Maximum loan-to-value for Tier 4 borrowers is 100% (No Exceptions). Other terms and conditions may apply. Rates vary based on term, credit score and model year. Subject to credit approval.
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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.
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Mortgage Loans

Type

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Rate
APR2
Cost4 / $1,000
5-10 YEAR FIXED
0.06250
0.06361
11.23
15-YEAR FIXED
0.06250
0.06329
8.57
30-YEAR FIXED
0.06875
0.06927
6.57
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Rate
APR²
Cost / $1,0004
5-10 YEAR FIXED
0.0800
0.08095
12.13
15-YEAR FIXED
0.0800
0.08068
9.56
30-YEAR FIXED
0.0825
0.08295
7.51
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.
Adjustable rate programs are based on a 30 year term. Our adjustable rate mortgages offer an initial rate that is fixed for either a 5 year or 7 year period. After that period, and every year thereafter, the interest rate can adjust based on current market condition. Each adjustment has a 2% change cap and a 5% lifetime change cap.
Payments shown to not include taxes or insurance. Your payment may be greater.
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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.
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