Loan Rates

Fantastically Low Rates

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.

Visit our Mortgage Center to check mortgage rates.

VEHICLE LOANS

APR as low as

4.25%

Refinance and Save

Lower your rate by 2% and delay your first payment up to 90 days. 

PRODUCT APR
New Auto 2021-2022 
up to 60 months
4.25%
Used Auto 2018-2022 
up to 60 months
4.75%
Used Auto 2015-2017 
up to 60 months
5.00%
Used Auto 2012-2014 
up to 48 months
6.50%
Used Auto 2011 & Older 
up to 36 months
7.50%
RV 2015-2022 
up to 60 months
5.25%
RV 2014 & older 
up to 60 months
8.50%
Secured Fixed  
up to 60 months
8.50%
APPLY ONLINE

Credit subject to approval. Rates subject to change and based on credit history, so your rate may differ.

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

PERSONAL LOANS

APR as low as

8.75%

PRODUCT APR
Line of Credit
with overdraft protection
8.75%
Signature Loan
up to 60 months, fixed rate
10.00%
Short-Term 12-Month
up to $10,000, fixed rate
8.75%
Short-Term 24-Month
up to $10,000, fixed rate
10.75%
Short-Term Variable
30, 60, or 90 days
8.75%
Visa Platinum
no balance transfer fee
9.40%
APPLY ONLINE

Credit subject to approval. Rates subject to change and based on credit history, so your rate may differ.

HOME EQUITY LOANS

APR as low as

3.75%

PRODUCT APR
5-Year Home Equity Loan 
no points, 5.25% fixed rate
5.64%
10-Year Home Equity Loan 
no points, 6.25% fixed rate
6.46%
15-Year Home Equity Loan 
no points, 7.00% fixed rate
7.24%
Shelterline HELOC
no closing costs
3.75%
Shelterline Plus HELOC
no closing costs
6.00%
APPLY ONLINE

Home Equity Loan
Credit subject to approval. Loan-to-Value (LTV) limit is 90%. Annual Percentage Rate (APR) shown is based on a loan amount of $50,000; your APR may differ based on loan amount and credit history.

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 and 90% for Shelterline Plus. Interest paid may be eligible for tax deduction. Consult your tax advisor.

Payoff period is based on loan amount: 60 monthly payments for balances up to $10,000; 120 monthly payments for balances greater than $10,000 up to $25,000; 180 monthly payments for balances greater than $25,000.

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.