Loan Calculator



Auto Loan Calculator

Apply Online (Current Members)
Apply Online (New Members)
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Share Rates

  Balance Interest Rate APY Minimum Req’d Balance
All Shares
Excluding Share Drafts and IRAs
$100 and below 0.00% N/A $25.00
$100.01 – $10,000 0.10% 0.100 $25.00
$10,000.01 – $30,000 0.200% 0.200 $25.00
Over $30,000 0.40% 0.400 $25.00
IRAs
For existing IRAs only. No longer offering new accounts
Any Amount
(No Tier)
0.500% 0.501 $ 0.00

Auto Loans

We offer 100% financing plus tax, title, and licensing!
Recreational vehicles (including motorcycles, ATVs, boats, campers, etc.) are the same as our auto rates!

  Credit Score Rate and Term
Model Years 2010-2015
5 years old or newer
700 +
650 – 699
600 – 649
550 – 599*
Below 550*
2.5%
4.0%
6.0%
8.0%
10.0%

Up to 75 months

Model Years 2006-2009
6 to 10 years old
700 +
650 – 699
600 – 649
550 – 599*
Below 550*
5.0%
6.5%
8.5%
10.5%
12.5%

Up to 60 months

Model Years 2005 or
Older than 10 years
700 +
650 – 699
600 – 649
Below 600*
6.0%
7.5%
9.5%
13.5%

Up to 40 months

* For credit scores below 600, we are only able to offer 85% loan-to-value.

Home Improvement Loan

  APR Term
80% Financing,
Minimum $10,000
Maximum $50,000
5.00% APR to
qualified members
Up to 240 Months

Signature Loans

We offer an unsecured Signature Loan for qualifying members ranging from $500 up to $10,000.

Credit Score Loan Limit APR Term
700 + $10,000 8.0% 24 or 36 months
650 – 699 $5,000 8.5% 24 or 36 months
649 and below $2,500 9.0% 24 or 36 months

Signature Line of Credit

We offer an unsecured Signature Line of Credit up to $10,000 for qualifying members at 8.0% APR.  Credit scores below 700 may be offered a lower limit and/or a higher APR of 9.0%.  Unfortunately, we are not able to offer a Signature Line of Credit to members with a credit score below 640.

Holiday and Vacation Loans

  Availability APR Term
Holiday Loan November 1 – January 31 6.0% 12 months
Vacation Loan June 1 – August 31 6.0% 12 months

Overdraft Loans

Overdraft loans have an 18% APR.