Loan Rates
Life is expensive enough. That's why we do everything possible to keep your costs down.
Whether you're buying a home, financing a vehicle, or getting a loan for some other reason, we offer competitive rates that can be your budget's best friend.
This is another shining example of how you benefit from our not-for-profit status. Consumer-friendly rates limit your overall interest charges, leaving more money for everything else you and your family need.
Type | Rates as low as | Rate Type | Term |
---|---|---|---|
Personal Line of Credit* | 12.25% APR | Variable | No Set Term |
Personal Loan** | 12.50% APR | Fixed | up to 36 months |
Lift Credit Builder*** | 5.00% APR | Fixed | up to 36 months |
Subject to membership requirements. All Credit Union loan programs, rates, terms, and conditions are subject to credit approval and may change at any time without notice. Actual APR may vary depending on borrower's credit worthiness and product.
*APR = Annual Percentage Rate
New/Used Car, Pickup & SUV Loans
Type | Rates as low as | Term |
---|---|---|
New (2023-2025) | 7.50% APR | 63 mo |
Used (2020-2025) | 7.80% APR | 63 mo |
Used (2019) | 8.10% APR | 63 mo |
Used (2018) | 8.30% APR | 63 mo |
New (2023-2025): 7.50% APR, 62 payments of $193.08 and a final payment of $192.63 with a total finance charge of $2,163.59.
Used (2020-2025): 7.80% APR, 62 payments of $194.54 and a final payment of $194.17 with a total finance charge of $2,255.65.
Used (2019): 8.10% APR, 62 payments of $196.01 and a final payment of $195.54 with a total finance charge of $2,348.16.
Used (2018): 8.30% APR, 62 payments of $196.99 and a final payment of $196.83 with a total finance charge of $2,410.21.
Subject to membership requirements. All Credit Union loan programs, rates, terms, and conditions are subject to credit approval and may change at any time without notice. Actual APR may vary depending on borrower's credit worthiness and product.
*APR = Annual Percentage Rate
New/Used Motorcycle Loans
Type | Rates as low as | Term |
---|---|---|
New (2023-2025) | 7.850% APR | 63 mo |
Used (2020-2025) | 8.050% APR | 63 mo |
Used (2019) | 8.250% APR | 63 mo |
Used (2018) | 8.701% APR | 63 mo |
New (2023-2025): 7.850% APR, 62 payments of $193.81 and a final payment of $193.60 with a total finance charge of $2,259.82.
Subject to membership requirements. All Credit Union loan programs, rates, terms, and conditions are subject to credit approval and may change at any time without notice. Actual APR may vary depending on borrower's credit worthiness and product.
*APR = Annual Percentage Rate
Home Equity Loan | Rates as low as | Rate Type | Loan to Value |
---|---|---|---|
60 mo1 | 7.000% APR | Fixed | 90% |
Subject to membership requirements. All Credit Union loan programs, rates, terms, and conditions are subject to credit approval and may change at any time without notice. Actual APR may vary depending on borrower's credit worthiness and product.
*APR = Annual Percentage Rate
Home Equity Line of Credit | Rates as low as | Rate Type | Term | Loan to Value |
---|---|---|---|---|
Prime Equity Line* | 8.00% APR | Variable | 10-year draw period followed by a 10-year amortized repayment period | 80% |
Equity Line Plus** | 8.50% APR | Variable | 10-year draw period followed by a 10-year amortized repayment period | 90% |
1) 1.00% of the outstanding balance, or interest due, or $50 (whichever is greater), OR
2) The greater of monthly interest due or $50 for qualified members
Subject to membership requirements. All Credit Union loan programs, rates, terms, and conditions are subject to credit approval and may change at any time without notice. Actual APR may vary depending on borrower's credit worthiness and product.
*APR = Annual Percentage Rate
Card Type | Rates | Points Earned on Purchases |
---|---|---|
Everwise Visa® Platinum | 0.00% intro rate for first 6 mos from the date account is opened, then 12.50%, 14.50%, 16.50%, 18.50%, or 22.50% (based on your creditworthiness) for purchases and balance transfers applies. | N/A |
Everwise Visa® Signature Rewards | 0.00% intro rate for first 6 mos from the date account is opened, then 16.50%, 18.50%, or 20.50% (based on your creditworthiness) for purchases and balance transfers applies. | 1.5 pts. per dollar spent on eligible purchases |
Everwise Visa® Accelerate | 19.99% APR fixed rate. | N/A |
APR= Annual Percentage Rate. Visa Platinum: 0.00% intro rate for first 6 mos from the date account is opened, then 12.50%, 14.50%, 16.50%, 18.50%, or 22.50% (based on your creditworthiness) for purchases and balance transfers applies. Visa Signature Rewards: 0.00% intro rate for first 6 mos from the date account is opened, then 16.50%, 18.50%, or 20.50% (based on your creditworthiness) for purchases and balance transfers applies.
Eligibility subject to membership requirements. See Everwise Visa Credit Cards agreement and our credit cards page for interest rate/fee disclosures information.
Subject to membership requirements. All Credit Union loan programs, rates, terms, and conditions are subject to credit approval and may change at any time without notice. Actual APR may vary depending on borrower's credit worthiness and product.
*APR = Annual Percentage Rate
Type | Rates as low as | Term |
---|---|---|
New (2023-2025) | 8.565% APR | 180 mo |
Used (2020-2025) | 9.065% APR | 180 mo |
Used (2015-2019) | 10.568% APR | 144 mo |
Subject to membership requirements. All Credit Union loan programs, rates, terms, and conditions are subject to credit approval and may change at any time without notice. Actual APR may vary depending on borrower's credit worthiness and product.
*APR = Annual Percentage Rate
Subject to membership requirements. All Credit Union loan programs, rates, terms, and conditions are subject to credit approval and may change at any time without notice. Actual APR may vary depending on borrower's credit worthiness and product.
*APR = Annual Percentage Rate