Codes

Credit Rating Credit Score Criteria Risk Level
A 700 – above Elite Rate Low Risk / Most Credit Worthy Members
B 650 – 699 Preferred Rate Moderate Risk
C 600 – 649 Standard Rate Average Risk
D 550-599 Credit Restoration / Minimum Rate Below Par Credit/No Credit History

 

Loan Rates

Description Terms & Limits
Credit Rating A B C D
Share Secured Share Account Balance Share Rate + 3% Share Rate + 3% Share Rate + 3% Share Rate + 3%
No credit report for share secured loans.
Personal Loans 24 Months 8.00% 10.00% 15.00% / .04110% 18.00% / .04932%
All Rates = APR Loan Limits $5,000.00 $4,000.00 $2,500.00 $1,000.00
New Vehicles Up to 48 Months 2.75% 4.75% 8.00% 10.50%
All Rates = APR 49-60 Months 3.00% 5.25% 8.50% 11.50%
61-72 Monts 3.75% 5.75% 9.25% 12.50%
Loan Limits A & B Tier Limit = MSRP. C & D Tier Limit = Invoice
Used Vehicles Up to 48 Months 2.75% 5.00% 8.25% 12.00%
All Rates = APR 49-60 Months 3.00% 5.50% 9.25% 13.00%
61-72 Months 3.75% 6.25% 10.25% 14.00%
Loan Limits A, B & C Tier Limits = NADA Clean Retail. D Tier Limit = NADA Loan Value

Effective Date: 08/01/2018

APR refers to the annual percentage rate or the dividend rate.
APY refers to the annual percentage yield.

CD Rates

Term Rate
12 Month .15%
6 Month .12%