Loan Rates

Low rates you can rely on.

We offer vehicle loans and personal loans with competitive rates and flexible terms to meet your budget, and our Visa Platinum is perfect for everyday purchases or balance consolidation. Apply now to benefit from our member-owned, not-for-profit financial cooperative.

VEHICLE LOANS

APR as low as

1.99%

PRODUCT APR
New Auto 2019-2020
up to 60 months
1.99%
Used Auto 2016-2020
up to 60 months
2.25%
Used Auto 2013-2015
up to 60 months
2.95%
Used Auto 2010-2012
up to 48 months
3.45%
Used Auto 2009 & Older
up to 36 months
4.75%
RV 2013-2020
up to 60 months
4.75%
RV 2012 & older
up to 75 months
7.75%
Secured Variable
up to 60 months
6.50%

Credit subject to approval. Rates subject to change and based on credit history, so your rate may differ. The maximum rate allowed is 18.00% APR.

Longer terms available for qualified borrowers. Minimum loan amount and model year restrictions may apply.

Recreational Vehicle (RV) loans include ATVs, boats, campers, motorcycles, motorhomes, and watercraft.

Secured Variable loans require qualifying collateral, such as appliances, furniture, golf carts, horse trailers, lawn tractors, or personal computers.

PERSONAL LOANS

APR as low as

4.99%

PRODUCT APR
COVID-19 Assistance
up to $2,500, fixed rate, 30 months
4.99%
Debt Consolidation
up to 60 months
7.40%
Line of Credit
with overdraft protection
9.50%
Signature Variable
up to 60 months
9.75%
Short-Term 12-Month
up to $10,000, fixed rate
8.25%
Short-Term 24-Month
up to $10,000, fixed rate
10.25%
Short-Term Variable
30, 60, or 90 days
8.25%
Visa Platinum
no balance transfer fee
8.65%

Credit subject to approval. Rates subject to change and based on credit history, so your rate may differ. The maximum rate allowed is 18.00% APR.

HOME EQUITY LOANS

APR as low as

3.25%

PRODUCT APR
5-Year Home Equity Loan
no points, fixed rate
5.96%
7-Year Home Equity Loan
no points, fixed rate
6.08%
10-Year Home Equity Loan
no points, fixed rate
5.98%
Shelterline HELOC
no closing costs
3.25%
Shelterline Plus HELOC
no closing costs
5.25%

Home Equity Loan
Credit subject to approval. Loan-to-Value (LTV) limit is 85%. Annual Percentage Rate (APR) shown is based on a loan amount of $25,000; your APR may differ.

Home Equity Line of Credit (HELOC)
Annual Percentage Rate (APR) may vary. The maximum APR that may be imposed is 18.00%. Minimum $15,000 credit line. Loan-to-Value (LTV) limit is 80% for Shelterline HELOC and 85% for Shelterline Plus HELOC. Interest paid may be eligible for tax deduction. Consult your tax advisor.

The payoff period is based on loan balance: 60 monthly payments for balances from $1.00–$10,000.00; 120 monthly payments for balances from $10,000.01–$25,000.00; 180 monthly payments for balances of $25,000.01 & higher.

There are no closing costs; however, if you close your loan within 36 months of the opening date, you may be required to reimburse the Credit Union for third-party charges. Reimbursement fees can range from $400–$1,000.

Additional Options
Additional mortgage products and terms available. Connect with the Mortgages department by calling 615-385-6898.