Loan Rates | Ask About Rate Discount Options

New / Used Autos & Street Bikes (225 CC or Higher)
Effective Date: Monday, February 2nd, 2026
Term	Annual Percentage Rate	Sample Payment Amount monthly per $1,000 borrowed based on maximum term
0 - 60 months	6.25% APR	$19.45
61-72 months	6.50% APR	$16.81
73-84 months	7.00% APR	$15.10
85-96 mos 2018	8.25% APR	$14.27
97-108 mos 2019	9.00% APR	$13.55
109-120 mos 2020+	9.50% APR	$12.94
APR = Annual Percentage Rate \| The APR you receive is based on your credit worthiness and the term of your loan
*These rates are subject to change depending on the year of the vehicle.

Secured Toy Loans
Effective Date: Monday, February 2nd, 2026
Term	Annual Percentage Rate	Sample Payment Amount monthly per $1,000 borrowed based on maximum term
0 - 60 months	7.00% APR	$19.81
61 - 72 months	7.25% APR	$17.18
73-84 months	7.75% APR	$15.47
85-96 months	8.00% APR	$14.14
97-108 months	8.25% APR	$13.15
109-120 months	8.50% APR	$12.41
APR = Annual Percentage Rate \| The APR you receive is based on your credit worthiness and the term of your loan
*120 months has a $30,000 minimum purchase price.

Unsecured Loans - We Can Help!
Effective Date: Monday, February 2nd, 2026
Term	Annual Percentage Rate	Sample Payment Amount monthly per $1,000 borrowed based on maximum term
0 - 36 months	9.50% APR	$32.05
37 - 48 months	10.50% APR	$25.62
49 - 60 months	11.50% APR	$22.01
61-72 months	13.75% APR	$20.49
PR = Annual Percentage Rate \| The APR you receive is based on your credit worthiness and the term of your loan

*APR = Annual Percentage Rate

Effective RATE Date = date in which one or more rates changed. Current rate listed will be used in calculation on date loan application is submitted.

All listed rates subject to change at anytime without notice as determined by the Credit Union Board of Directors.