Loan Rates
Loan Rates as of: January 3, 2025
Vehicle Loans
| Type of Loan | Term | APR* | Payment per $1,000 |
|---|---|---|---|
| 2023 & Newer Automobiles and Motorcycles | 36 Months | 4.99% | $29.96 |
| 48 Months | 5.24% | $23.13 | |
| 60 Months | 5.49% | $19.09 | |
| 72 Months | 5.74% | $16.45 | |
| 84 Months** | 6.49% | $14.84 | |
| 2016 - 2022 Automobiles and Motorcycles | 36 Months | 5.24% | $30.07 |
| 48 Months | 5.49% | $23.25 | |
| 60 Months | 5.74% | $19.21 | |
| 72 Months | 5.99% | $16.56 | |
| 84 Months | 6.99% | $15.08 | |
| 2015 - Older Automobiles and Motorcycles | 36 Months | 7.99% | $31.33 |
| 48 Months | 8.49% | $24.64 | |
| 60 Months | 8.99% | $20.75 | |
| 72 Months** | 9.99% | $18.52 | |
| 2015 & Newer Boats and Campers | 72 Months | 7.49% | $17.28 |
| 84 Months | 7.99% | $15.58 | |
| 96 Months | 8.49% | $14.38 | |
| 120 Months*** | 8.99% | $12.66 | |
| 180 Months*** | 9.99% | $10.73 | |
| 2014 - Older Boats and Campers | 72 Months | 8.49% | $17.77 |
| 84 Months | 8.99% | $16.08 | |
| 96 Months | 9.49% | $14.90 | |
| 120 Months*** | 10.49% | $13.48 | |
| 2019 & Newer Powersports | 36 Months | 7.99% | $31.33 |
| 48 Months | 8.49 | $24.64 | |
| 60 Months | 8.99% | $20.75 | |
| 72 Months*** | 9.99% | $18.52 | |
| 2019 - Older Powersports | 36 Months | 8.99% | $31.80 |
| 48 Months | 9.49% | $25.12 | |
| 60 Months | 9.99% | $21.24 |
Disclaimers
2022 & Newer Automobiles and Motorcycles:
* APR is annual percentage rate. Rates are based on credit scores. Excludes MCU refinances.
** 84 month-term is limited to loan amounts >$35,000
*** .25% rate reduction for loan set up on auto pay from MCU Savings or Checking Account.
****Internal refinances subject to $250 one-time fee
2017 - 2021 Automobiles and Motorcycles:
* APR is annual percentage rate. Rates are based on credit scores. Excludes MCU refinances.
** 84 month-term is limited to loan amounts > $25,000
*** .25% rate reduction for loans set up on auto pay from MCU Savings or Checking Accounts.
****Internal refinances subject to $250 one-time fee
2016 - Older Automobiles and Motorcycles:
* APR is annual percentage rate. Rates are based on credit scores. Excludes MCU refinances.
** 72 month loans limited to > $20,000
*** .25% rate reduction for loans set up on auto pay from MCU Savings or Checking Accounts.
****Internal refinances subject to $250 one-time fee.
2015 & Newer Boats and Campers:
*Rates are based on credit scores. Excludes MCU refinances.
** 90% Maximum LTV / 110% maximum with GAP/Extended Warranty
***120 months for loans > $50,000 / 180 months for loans > $100,000
****.25% reduction for loans set up on auto pay from MCU Savings/Checking
*****Internal refinances subject to $250 one-time fee.
2014 - Older Boats and Campers:
**80% Maximum LTV / 100% maximum with GAP/Extended Warranty
***120 month for loans >$50,000
**** .25% reduction for loans set up on auto pay from MCU Savings/Checking
*****Internal refinances subject to $250 one-time fee.
2020 & Newer Powersports:
* APR is annual percentage rate. Rates are based on credit scores. Excludes MCU refinances.
**90% maximum LTV.
*** 72 month-term is limited to loan amounts of >$10,000.
*** .25% rate reduction for loan set up on auto pay from MCU Savings or Checking Account.
*****Internal refinances subject to $250 one-time fee.
2019 - Older Powersports:
* APR is annual percentage rate. Rates are based on credit scores. Excludes MCU refinances.
** 80% maximum LTV.
*** .25% rate reduction for loan set up on auto pay from MCU Savings or Checking Account.
Personal Loans
| Type of Loan | Term | APR* | Payment per $1,000 |
|---|---|---|---|
| Unsecured Loans | 12 Months | 9.99% | $87.93 |
| 24 Months | 10.49% | $46.83 | |
| 36 Months | 10.99% | $32.74 | |
| 48 Months | 11.49% | $26.09 | |
| 60 Months | 11.99% | $22.24 | |
| Share Secured Loans | 12 Months | 3.49% | $84.91 |
| 24 Months | 3.99% | $43.42 | |
| 36 Months | 4.49% | $29.74 | |
| 48 Months | 4.99% | $23.02 | |
| 60 Months | 5.49% | $19.09 | |
| KwikCash Loan | N/A | 12.90% | N/A |
Disclaimers:
Unsecured Loans: *APR is annual percentage rate. Personal unsecured loan limits vary between $500 - $10,000 with a maximum term of 60 months. Consumer loan rates based upon qualified credit. Other terms and rates are available; some restrictions may apply. Loans and rates are subject to credit approval. Rates and terms are subject to change.
*Internal refinances subject to $250 one-time fee.
Share Secured Loans:
* APR is annual percentage rate. Personal Share Secured loan limits may vary between $500 - $5,000 with a maximum term of 60 months. Consumer loan rates based upon qualified credit. Other terms and rates are available; some restrictions may apply. Loans and rates are subject to credit approval. Rates and terms are subject to change.
KwikCash:
* APR is annual percentage rate. Kwik Cash limits may vary. Consumer loan rates based upon qualified credit. Other terms and rates are available; some restrictions may apply. Loans and rates are subject to credit approval. Rates and terms are subject to change.
Visa Credit Card
| Card Type | APR* |
|---|---|
| Visa Credit Cards | 8.90% |
| Credit Builder | 17.90% |
Disclaimers:
* APR is annual percentage rate. Rates are based upon qualified credit. Other terms and rates are available; some restrictions may apply. Eligibility and rates are subject to credit approval.
Rates and terms are subject to change. Please refer to VISA Credit Card Agreements for additional information.
Home Equity Line of Credit
| Loan Type | APR* |
|---|---|
| Home Equity Line of Credit | Variable 8.50% |
| Home Equity 2nd Fixed | As low as 7.50% |
Disclaimers:
*APR is annual percentage rate. Home Equity limits may vary. Consumer loan rates based upon qualified credit. Other terms and rates are available; some restrictions may apply. Loans and rates are subject to credit approval. Rates and terms subject to change.
APR means Annual Percentage Rate. All rates are subject to change without notice. Longer terms may be available at higher rates and are subject to approval. Loan specials will be approved for credit only. Other rates may apply if not approved for loan special rates. For credit scores between 679-640, a 1.00% increase will be added to the current loan rate.
A 3.00% increase will be added to the current loan rate for credit scores between 639-600. A 5.00% increase may be added to the current loan rate for credit scores of 599-550. A 7.00 % increase may be added to the current loan rate for credit scores of 549 or below. Loan rates will not exceed 18.00% APR.
