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Loan Rates

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Loan Rates

Loans and Visa Programs

Loans and Visa

Effective Date: September 1st, 2025

Loans	Term	Rate
New Auto Loans	84 months	4.75%
New and Used Auto Loans	72 months	4.25%
	60 months	4.00%
	48 months	3.75%
	36 months	3.50%
	24 months	3.25%
Unsecured Loans	Up to 48 months	8.00%
Recreational Loans	72 months	5.50%
	84 months	6.50%
	120 months	7.50%
Shared Secured Loans	Open	3.75%
Visa Platinum	No Annual Fee No Transfer Fee	7.99%
Visa Gold	No Annual Fee No Transfer Fee	9.99%
Visa Classic	No Annual Fee No Transfer Fee	14.99%
Visa Classic Secured	No Annual Fee No Transfer Fee	14.99%
All rates are based on 725 credit score Auto rates range from 3.25% - 15.50% Unsecured rates range from 8.00% to 18.00% Amount and rate are subject to credit score, seniority, job stability and any other factors determined by credit committee. 84 month term on new vehicles only based on credit score. Visa Classic Secured is secured 100% by Shares or Certificate (Requested credit limit + 10% or Minimum $100)