Consumer Loan Rates
Annual Percentage Rates valid as of August 1, 2010
Personal Loan
Debt consolidation, computer, vacation, and more!
| Terms Up To | Annual Percentage Rates As Low As | Automatic Loan Payment | Monthly Payment per $1,000 | Payment Calculator |
| 24 months | 9.99% | 9.74% | $46.14 | What's My Payment? |
| 48 months | 11.49% | 11.24% | $26.08 | What's My Payment? |
| 60 months | 11.74% | 11.49% | $22.11 | What's My Payment? |
Competitive Fixed Rates. $25,000 maximum per member. Annual Percentage Rate (APR) is subject
to change and is determined by individual credit history. We offer a ¼% APR discount for automatic loan payment.
Monthly Payment is based on a 30 Day Month.
Visa credit card
Enjoy competitive Variable Rates and earn bonus points for gifts, travel and more!
Our Visa Credit Card has no annual fee, a 25-day interest-free grace period, and the ScoreCard Bonus Point Program,
where you earn one point for every dollar charged for purchases.
| Visa Product | Variable APR* | Margin | Daily Periodic Rate | ||
| For Purchases and Balance Transfers | |||||
| Visa Gold | 9.90% | 6.65% | 0.0271% | ||
| Visa Classic | 14.90% | 11.65% | 0.0408% | ||
| Visa Secured | 15.90% | 12.65% | 0.0436% | ||
| For Cash Advances | |||||
| Visa Gold | 12.25% | 9.00% | 0.0336% | ||
| Visa Classic | 18.00% | 15.00% | 0.0493% | ||
| Visa Secured | 18.00% | 16.00% | 0.0493% | ||
*Annual Percentage Rate. The Variable APR for purchases, balance transfers and cash advances will be the Index (Prime Rate) plus a Margin as listed above. The Prime Rate is the highest (U.S.) Prime Rate published in the Wall Street Journal on the last day of each month. The Prime Rate on 08/31/2010 was 3.25%. The APR will not exceed the ceiling, or highest APR, which is the NCUA usury rate in effect at the time. As of 08/31/2010, the NCUA usury rate was 18.00% APR. For Fee information, read our Visa Credit Card Disclosure.
Other Vehicles (Model Years 2008 - 2010)
Boats, RVs, Snowmobiles, Jet Skis, ATVs
| Terms Up To | Annual Percentage Rates As Low As | Automatic Loan Payment | Monthly Payment per $1,000 | Payment Calculator |
| 48 months | 5.99% | 5.74% | $23.48 | What's My Payment? |
| 72 months | 6.99% | 6.74% | $17.04 | What's My Payment? |
| 96 months | 7.49% | 7.24% | $13.88 | What's My Payment? |
| 144 months | 7.75% | 7.50% | $10.69 | What's My Payment? |
Competitive Fixed Rates. Financing up to 100% of the NADA value or purchase price, whichever is lower,
PLUS tax, title, registration and warranty. $100,000 maximum.
72 month term - minimum loan amount is $25,000.
96 month term - minimum loan amount is $35,000.
144 month term - minimum loan amount is $50,000.
Annual Percentage Rate (APR) is subject to change and is determined by individual credit history.
We offer a ¼% APR discount for automatic loan payment. Monthly Payment is based on a 30 Day Month.
Other Vehicles (Model Years 2001 - 2007)
Boats, RVs, Snowmobiles, Jet Skis, ATVs
| Terms Up To | Annual Percentage Rates As Low As | Automatic Loan Payment | Monthly Payment per $1,000 | Payment Calculator |
| 48 months | 6.25% | 6.00% | $23.60 | What's My Payment? |
| 72 months | 7.49% | 7.24% | $17.29 | What's My Payment? |
| 96 months | 7.75% | 7.50% | $14.01 | What's My Payment? |
| 120 months | 7.99% | 7.74% | $10.82 | What's My Payment? |
Competitive Fixed Rates. Financing up to 90% of the NADA value or purchase price, whichever is lower.
$75,000 maximum. Maximum term is 120 months.
72 month term - minimum loan amount is $25,000.
96 month term- minimum loan amount is $35,000.
120 month term - minimum loan amount is $50,000 and maximum loan amount is $75,000.
Annual Percentage Rate (APR) is subject to change and is determined by individual credit history.
We offer a ¼% APR discount for automatic loan payment. Monthly Payment is based on a 30 Day Month.
Cashline
Protect yourself from overdrafts
| Term | Annual Percentage Rate | Variable Index |
| Open | 10.25% | Prime + 7.00% |
Competitive Variable Rate. Protection up to $5,000. Variable loan rates are set quarterly and based on
the actual Prime Rate on the last business day of the previous quarter.
The Prime Rate as of 06/30/2010 was 3.25% APR as published in the Wall Street Journal.
Share Secured
Use your savings to give yourself a loan!
| Term | Annual Percentage Rate | Index |
| Up to 10 years | 3.20% | 3% above the Share Dividend Rate |
Competitive Variable Rate. Share balance maximum. After disbursal, the loan rate will adjust quarterly.
The variable Annual Percentage Rate will be based on the share rate on the first business day of the current quarter.
The share rate on 07/01/2010 was 0.20 APR%.
Share Certificate Secured
Use your certificate to give yourself a loan!
| Term | Annual Percentage Rate |
| Certificate Term | 3% above the Certificate Rate |
Competitive Fixed Rate. Borrow up to 100% of your certificate balance.
Stock Secured
Use your investments to give yourself a loan!
| Term | Annual Percentage Rate | Monthly Payment per $1,000 |
| 12 months | 6.95% | $86.50 |
| 24 months | 7.95% | $45.20 |
| 36 months | 8.95% | $31.78 |
| 48 months | 9.45% | $25.10 |
| 60 months | 9.95% | $21.22 |
Competitive Fixed Rate. 50% of stock value up to $50,000 maximum. Monthly Payment is based on a 30 Day Month.
