Consumer Loan Rates

Rates Effective As Of: October 16, 2025 

Auto Loans (2023 & Newer)

Terms	Rates As Low As*
1 - 36 Months	5.90% APR
37 - 60 Months	6.15% APR
61 - 72 Months	6.40% APR
73 - 84 Months	6.65% APR

Auto Loans (2022 - 2020)

Terms	Rates As Low As*
1 - 36 Months	5.90% APR
37 - 60 Months	6.15% APR
61 - 72 Months	6.40% APR
73 - 84 Months	6.65% APR

Auto Loans (2019 - 2014)

Terms	Rates As Low As*
1 - 36 Months	6.90% APR
37 - 60 Months	7.15% APR

Auto Loans (2013 & Older)

Terms	Rates As Low As*
1 - 36 Months	7.65% APR

*80% Loan-To-Value (LTV). 
 

Recreational Vehicle Loans (2014 & Newer)

Terms	Rates As Low As*
1 - 36 Months	6.80% APR
37 - 60 Months	7.05% APR
61 - 72 Months	7.30% APR
73 - 96 Months ($20,000-$29,999)	8.90% APR
97 - 120 Months ($30,000+)	9.90% APR

Recreational Vehicle Loans (2013 & Older)

Terms	Rates As Low As*
1 - 36 Months	7.30% APR
37 - 60 Months	8.10% APR

*80% Loan-To-Value (LTV) on all collateral for 2 & 1 Star members. 80% Loan-To-Value and a maximum term of 36 months on collateral with 120,000 miles or more. Add 1.00% to the Annual Percentage Rate for loans with a payment frequency longer than once a month. Add 1.00% to the Annual Percentage Rate for collateral classified as "classic".

Pro Discount: Discount of 0.25 basis points off the rate if have 2 of the following 3 coverage products on the loan: Guaranteed Asset Protection (GAP), Mechanical Breakdown Protection (MBP), Credit Disability Insurance AND must enroll in automatic payments. Must enroll in 2 separate products to qualify for the rate reduction, i.e. a joint loan where both members take our credit disability DOES NOT qualify. In the event any of the coverage or automatic payment is cancelled, the rate will increase to the normal rate. Only available on loans that can be covered with GAP or MBP products.
 

Personal/Holiday Loans

Terms	Rates As Low As
1 - 24 Months	9.40% APR
25 - 36 Months	10.40% APR
37 - 48 Months	11.40% APR
49 - 60 Months	12.40% APR

 

Ready Credit

Details	Rates As Low As
Automatic payment from checking account each month on the 28th.	16.00% APR

 

Credit Builder

Details & Terms	Rates As Low As
Funds will be deposited into the membership account and remain there until the loan is paid in full. 12 - 24 Months Terms	6.00% APR

 

Certificate & Savings Secured

Details	Rates & Terms*
Certificate Secured	2.00% above the Certificate rate that is being used as security.
Savings Secured	3.00% maximum term of 60 months.

*Does not include HSA, Club Accounts, Money Market, or Checking Accounts. Certificate maturity date to match loan term.