Consumer Loan Rates

Effective: November 1, 2026

Auto Loan Rates

Auto Loans	Loan Term	Annual Percentage Rate (APR)¹	Monthly Payment Per $1,000 Borrowed Maximum Term
New Auto Model years 2025-2026	24 - 36 months	5.19% - 11.94%	$30.06 - $33.19
	37 - 48 months	5.29% - 12.04%	$23.16 - $26.35
	49 - 60 months	5.39% - 12.14%	$19.05 - $22.32
	61 - 72 months	5.59% - 12.34%	$16.38 - $19.73
	73 - 84 months	5.99% - 12.74%	$14.60 - $18.05
Used Auto Model years 2020-2026 w/more than 5,000 miles	24 - 36 months	5.39% - 12.14%	$30.15 - $33.28
	37 - 48 months	5.49% - 12.24%	$23.25 - $26.45
	49 - 60 months	5.59% - 12.34%	$19.14 - $22.42
	61 - 72 months	5.79% - 12.54%	$16.47 - $19.83
	73 - 84 months	6.19% - 12.94%	$14.70 - $18.16
Model Years 2011-2019	24 - 36 months	7.39% - 14.14%	$31.06 - $34.25
Model Years 2011-2019	37 - 60 months	7.49% - 14.24%	$20.03 - $23.39

New and Used Motorhomes, Trailers, Fifth Wheels

New and Used Motorhomes, Trailers, Fifth Wheels	Loan Term	Annual Percentage Rate (APR)^*	Monthly Payment per $1,000 Borrowed Maximum Term
Model years 2022-2026	24 - 36 months	8.99% - 11.99%	$31.80 - $33.21
	37 - 72 months	8.99% - 11.99%	$18.02 - $19.54
	73 - 96 months	8.99% - 11.99%	$14.65 - $16.25
	97 - 120 months	8.99% - 11.99%	$12.66 - $14.34
	121 - 144 months	8.99% - 11.99%	$11.52 - $13.74
	145 - 180 months	8.99% - 11.99%	$10.14- $12.00
Model years 2016-2021 (max mileage 100,000)	24 - 36 months	9.24% - 12.99%	$31.91 - $33.69
	37 - 72 months	9.24% - 12.99%	$18.14 - $20.07
	73 - 96 months	9.24% - 12.99%	$14.78 - $16.80
	97 - 120 months	9.24% - 12.99%	$12.80 - $14.93
	121 - 144 months	9.24% - 12.99%	$11.52 - $13.74
	145 - 180 months	9.24% - 12.99%	$10.29 - $12.65

New and Used Boats and Personal Watercraft

New and Used Boats and Personal WaterCraft	Loan Term	Annual Percentage Rate (APR)^*	Monthly Payment per $1,000 Borrowed Maximum Term
Model years 2025-2026	24 - 36 months	7.24% - 13.74%	$30.99 - $34.05
	37 - 48 months	7.74% - 14.24%	$24.29 - $27.45
	49 - 60 months	9.50% - 16.00%	$21.00 - $24.32
	61 - 72 months	9.75% - 15.74%	$18.40 - $21.55
	73 - 84 months	9.75% - 15.74%	$16.47 - $19.71
Model years 2016-2024	24 - 36 months	7.99% - 14.49%	$31.33 - $34.42
	37 - 48 months	8.49% - 14.99%	$24.64 - $27.83
	49 - 60 months	10.25% - 16.75%	$21.37 - $24.72
	61 - 72 months	10.50% - 17.00%	$18.78 - $22.25
	73 - 84 months	10.50% - 17.00%	$16.86 - $20.44

New and Used Motorcycle Loans

New and Used Motorcycle Loans	Loan Term	Annual Percentage Rate (APR)^*	Monthly Payment per $1,000 Borrowed Maximum Term
New Motorcycle Model years 2025-2026 with less than 500 miles	24 - 36 months	5.99% - 12.74%	$30.42 - $33.57
	37 - 48 months	6.49% - 13.24%	$23.71 - $26.95
	49 - 60 months	6.49% - 13.24%	$19.56 - $22.88
	61 - 72 months	7.49% - 14.24%	$17.29 - $20.73
	73 - 84 months	7.99% - 14.74%	$15.58 - $19.15
Used Motorcycle Model years 2018-2026 with more than 500 miles	24 - 36 months	6.24% - 15.74%	$30.53 - $35.03
	37 - 48 months	6.74% - 16.24%	$23.83 - $28.46
	49 - 60 months	6.74% - 16.24%	$19.68 - $24.45
	61 - 72 months	7.74% - 17.24%	$17.41 - $22.38

Personal Loans

Personal Loans
Loan Term
Annual Percentage Rate (APR)^*
Monthly Payment Per $1,000 Borrowed Maximum Term

6 - 60 months
10.50% - 20.50%
$21.49 - $26.77
Emergency Loans

Emergency Loans
Loan Amount
Loan Term
Annual Percentage Rate (APR)^**
Monthly Payment Per $1,000 Borrowed Maximum Term

$500
6 months
7.99%
$85.29^{^}
$1,000
12 months
7.99%
$86.98
**APR = Annual Percentage Rate. Emergency Loan options include $500 for a 6-month term or $1,000 for a 12-month term, both at a fixed rate of 7.99% APR. Loans may be subject to credit approval. Based on current member relationship, members may qualify for a no-credit-check option if they meet certain criteria, including but not limited to: holding membership for at least one year, maintaining a checking account, receiving monthly direct deposits totaling $500 or more, and keeping their membership.
^{^}Monthly payment per $500 borrowed maximum term (6 months).
^*The rate you receive will be based on certain creditworthiness factors and approximate repayment and may be higher than the rate shown above. Please ask us for the rate for which you qualify. All rates are subject to approximate loan term limits and certain restrictions may apply. Rates are subject to change without notice. Rates are for new loans only, refinance terms will differ. There are minimum loan amounts required for some loan terms. Contact us for minimum loan amounts by term, maximum loan amounts and loan-to-value requirements.

Personal Loans	Loan Term	Annual Percentage Rate (APR)^*	Monthly Payment Per $1,000 Borrowed Maximum Term
	6 - 60 months	10.50% - 20.50%	$21.49 - $26.77

Emergency Loans	Loan Amount	Loan Term	Annual Percentage Rate (APR)^**	Monthly Payment Per $1,000 Borrowed Maximum Term
	$500	6 months	7.99%	$85.29^{^}
$1,000	12 months	7.99%	$86.98

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*The rate you receive will be based on certain creditworthiness factors and approximate repayment and may be higher than the rate shown above. Please ask us for the rate for which you qualify. All rates are subject to approximate loan term limits, and certain restrictions may apply. Rates are subject to change without notice. Rates are for new loans only; refinance terms will differ. There are minimum loan amounts required for some loan terms. Contact us for minimum loan amounts by term, maximum loan amounts, and loan-to-value requirements.

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