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Loan Rates
Loan Rates
Effective As of 1/12/2026
| Term | Down payment required | APR* as low as 1 |
|---|---|---|
| Term 24 Months | Down payment required None | APR* as low as 1 4.25% |
| Term 36 Months | Down payment required None | APR* as low as 1 4.39% |
| Term 48 Months | Down payment required None | APR* as low as 1 4.49% |
| Term 60 Months | Down payment required None | APR* as low as 1 4.55% |
| Term 72 Months | Down payment required None | APR* as low as 1 5.20% |
| Term 84 Months | Down payment required None | APR* as low as 1 5.95% |
*APR=Annual Percentage Rate.
**Rate shown is “as low as” rate. Actual interest rate is determined by credit and collateral qualifications. Loans are subject to membership eligibility, and credit and underwriting approval. All Credit Union loan programs, rates, terms, and conditions are subject to change at any time without notice.
Effective As of 1/12/2026
| Term | APR* as low as 1 | |
|---|---|---|
| Under $50,000 | Term up to 60 months | APR* as low as 1 0.00% |
| Over $50,000 | Term 60 months | APR* as low as 1 0,00% |
| Term 72 months | APR* as low as 1 0.00% | |
| Term 84 months | APR* as low as 1 0.00% | |
| Term 96-120 Months | APR* as low as 1 0.00% | |
| Term 121-180 Months | APR* as low as 1 0.00% |
*APR=Annual Percentage Rate
**Rate shown is “as low as” rate. Actual interest rate is determined by credit and collateral qualifications. Loans are subject to membership eligibility, and credit and underwriting approval. All Credit Union loan programs, rates, terms, and conditions are subject to change at any time without notice.
Effective As of 1/12/2026
| Term | APR* as low as 1 |
|---|---|
| Term 36 Months | APR* as low as 1 5.50% |
| Term 48 Months | APR* as low as 1 5.74% |
| Term 60 Months | APR* as low as 1 5.99% |
| Term 72 Months | APR* as low as 1 6.49% |
| Term 84 Months | APR* as low as 1 6.74% |
| Term 120 Months | APR* as low as 1 7.74% |
*APR=Annual Percentage Rate
**Rate shown is “as low as” rate. Actual interest rate is determined by credit and collateral qualifications. Loans are subject to membership eligibility, and credit and underwriting approval. All Credit Union loan programs, rates, terms, and conditions are subject to change at any time without notice.
Effective As of 1/12/2026
| Term | APR* as low as 1 |
|---|---|
| Term 36 Months | APR* as low as 1 5.50% |
| Term 48 Months | APR* as low as 1 5.74% |
| Term 60 Months | APR* as low as 1 5.99% |
| Term 72 Months | APR* as low as 1 6.49% |
| Term 84 Months | APR* as low as 1 6.74% |
| Term 120 Months | APR* as low as 1 7.74% |
*APR=Annual Percentage Rate
**Rate shown is “as low as” rate. Actual interest rate is determined by credit and collateral qualifications. Loans are subject to membership eligibility, and credit and underwriting approval. All Credit Union loan programs, rates, terms, and conditions are subject to change at any time without notice.
Effective As of 1/12/2026
| Term | APR* as low as 1 |
|---|---|
| Term 36 Months | APR* as low as 1 5.50% |
| Term 48 Months | APR* as low as 1 5.74% |
| Term 60 Months | APR* as low as 1 5.99% |
| Term 72 Months | APR* as low as 1 6.49% |
| Term 84 Months | APR* as low as 1 6.74% |
| Term 120 Months | APR* as low as 1 7.74% |
*APR=Annual Percentage Rate
**Rate shown is “as low as” rate. Actual interest rate is determined by credit and collateral qualifications. Loans are subject to membership eligibility, and credit and underwriting approval. All Credit Union loan programs, rates, terms, and conditions are subject to change at any time without notice.
Effective As of 1/12/2026
| Term | APR* as low as 1 | Monthly payment per $1,000 |
|---|---|---|
| Term 60 Months | APR* as low as 1 0.00% | Monthly payment per $1,000 $00.00 |
*APR=Annual Percentage Rate
**Rate shown is “as low as” rate. Actual interest rate is determined by credit qualifications. Loans are subject to membership eligibility, and credit and underwriting approval. All Credit Union loan programs, rates, terms, and conditions are subject to change at any time without notice.
Effective As of 1/12/2026
| APR* as low as 1 | Monthly payment per $1,000 | |
|---|---|---|
| Visa® Rewards Card | APR* as low as 1 14.90% | Monthly payment per $1,000 $00.00 |
| Smart Rate Visa Card | APR* as low as 1 9.90% | Monthly payment per $1,000 $00.00 |
| Elevate Visa Secured Card | APR* as low as 1 11.90% | Monthly payment per $1,000 $00.00 |
*APR=Annual Percentage Rate
**Loans subject to membership eligibility, and credit and underwriting approval. All Credit Union loan programs, rates, terms, and conditions are subject to change at any time without notice.
Effective As of 1/12/2026
| Term | APR* as low as1 | |
|---|---|---|
| Overdraft Protection | Term Revolving | APR* as low as1 00.00% |
*APR=Annual Percentage Rate
**Loans subject to membership eligibility, and credit and underwriting approval. All Credit Union loan programs, rates, terms, and conditions are subject to change at any time without notice.
Effective As of 1/12/2026
| New or Late Model (2014 or newer) | Term | APR* as low as 1 |
|---|---|---|
| New or Late Model (2014 or newer) | Term up to 60 Months | APR* as low as 1 6.24% |
| New or Late Model (2014 or newer) | Term 72 Months | APR* as low as 1 6.49% |
| New or Late Model (2014 or newer) Loans greater than $25,000 | Term 84 Months | APR* as low as 1 6.74% |
| New or Late Model (2014 or newer) Loans greater than $40,000 | Term 96 – 120 Months | APR* as low as 1 7.49% |
| New or Late Model (2014 or newer) Loans greater than $70,000 | Term 121 – 181 Months | APR* as low as 1 7.99% |
| New or Late Model (2014 or newer) | Term 180 – 240 Months | APR* as low as 1 8.99% |
*APR=Annual Percentage Rate
**Rate shown is “as low as” rate. Actual interest rate is determined by credit and collateral qualifications. Loans are subject to membership eligibility, and credit and underwriting approval. All Credit Union loan programs, rates, terms, and conditions are subject to change at any time without notice.
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