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Loan Rates

Table data for Auto & Motorcycle Loans
 Effective 12-21-2024
Auto & Motorcycle Loan Terms Fixed Rate
(as low as)
APR1 Alert Me
Up to 72 months (new and used) 4.99% 5.25%
Up to 84 months (New vehicles only) 5.99% 6.22%
Up to 48 months (2016 and older) 6.99% 7.38%
  • 1APRs shown are based on a $30,000 loan at the maximum term with a $225 processing fee.
Table data for Boat & RV Loans
 Effective 12-21-2024
Boat & RV Loan Terms Fixed Rate
(as low as)
APR1 Alert Me
New (multiple terms) 8.50% 8.89%
Used (multiple terms) 8.75% 9.26%
  • 1APRs shown are based on a $30,000 loan at the maximum term with a $225 processing fee.
Table data for Other Loans
 Effective 12-21-2024
Other Loan Types Term Fixed Rate
(as low as)
APR1 Alert Me
Personal Loan Up to 60 months 12.15% 12.36%
Overdraft Line of Credit Line of Credit 15.00%
Share Secured Loan Up to 60 months 5.02%
Holiday Loan Special2 Up to 24 months 9.95% 10.42%
  • 1APRs shown are based on $20,000 loan at the maximum term with a $95 processing fee.
  • 2Financing up to 24 months. Existing CUO loans are ineligible for Holiday Loan Special refinancing. This offer may end at any time.
Table data for VISA Credit Cards
 Effective 12-21-2024
VISA Credit Card Types APR
(as low as)
ANNUAL FEE Alert Me
Rewards 16.74%1 None
Platinum 9.90%2 None
Young Adult 12.90%2 None
  • 1Variable Rate. Rate based on the Prime Rate as reported in Wall Street Journal on the last business day of the previous calendar month plus a margin of 8.99%.
  • 2Fixed Rate.
Table data for Home Equity Loans
 Effective 12-21-2024
Loan-to-Value Loan Type Rate
(as low as)
APR1 Alert Me
Up to 80% Home Equity Loan
(Terms up to 240 months)
7.50%2 7.99%
Up to 80% Line of Credit SPECIAL 1.99% for 3 months3 9.23%
Up to 90% Home Equity Loan
(Terms up to 240 months)
7.75%2 8.24%
Up to 90% Line of Credit SPECIAL 1.99% for 3 months3 9.58%
  • 1Home Equity Loan Assumptions: APR based on $75,000 loan with $758 in closing costs. Home Equity Line of Credit Assumptions: APR based on $75,000 loan with $726 in closing costs.
  • 2Fixed rate. Rate may vary based on term.
  • 3Home Equity Line of Credit Special subject to change at any time. After introductory period, rate will be the higher between the rate floor (4.00%) and the Prime Rate(80% LTV) or Prime Rate plus 0.25% (90% LTV) as reported in the Wall Street Journal on the last day of the previous calendar month. Rate will not exceed 18.00% APR.

For more information on our rates, please call 800.443.5698 or apply today!