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Loan Rates

Table data for Auto & Motorcycle Loans
 Effective 01-20-2025
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 (2017 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 01-20-2025
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 01-20-2025
Other Loan Types Term Fixed Rate
(as low as)
APR Alert Me
Personal Loan Up to 60 months 12.15% 12.36%1
Overdraft Line of Credit Line of Credit 15.00% 15.00%
Share Secured Loan Up to 60 months 5.02% 5.02%
Holiday Recovery Loan2 Up to 24 months 9.95% 10.42%1
  • 1APRs shown are based on $20,000 loan at the maximum term with a $95 processing fee.
  • 2Holiday Recovery Loan financing up to 24 months. Existing CUO loans are ineligible for Holiday Recovery Loan refinancing. This offer may end at any time.
Table data for VISA Credit Cards
 Effective 01-20-2025
VISA Credit Card Types APR
(as low as)
ANNUAL FEE Alert Me
Rewards 16.49%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 01-20-2025
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 7.50%3 9.04%
Up to 90% Home Equity Loan
(Terms up to 240 months)
7.75%2 8.24%
Up to 90% Line of Credit 7.75%3 9.34%
  • 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 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!