Loan Rates
Rates are accurate as of
¹MSRP = Manufacturer Suggested Retail Price
²R = NADA Retail Value, TI = NADA Trade In Value,
LV = Loan Value
New Vehicles
Cars - Trucks - Boats - RV's - Motorcycles Up to 5 Years
| Auto Pay Rates | Voluntary Pay Rates |
MSRP¹ Tax & Title Financing Limit |
| A+ |
3.49% |
4.49% |
100% |
| A |
4.49% |
5.49% |
100% |
| B |
5.49% |
6.49% |
100% |
| C |
6.49% |
7.49% |
90% |
| D |
7.49% |
8.49% |
80% |
| E |
8.49% |
9.49% |
80% |
New Vehicles
Cars - Trucks - Boats - RV's - Motorcycles 61 TO 72 Months (must finance over $20,000.00)
| Auto Pay
Rates | Voluntary Pay
Rates |
MSRP¹ Tax & Title
Financing Limit |
| A+ |
3.74% |
4.74% |
100% |
| A |
4.74% |
5.74% |
100% |
| B |
5.74% |
6.74% |
100% |
| C |
6.74% |
7.74% |
90% |
| D |
7.74% |
8.74% |
80% |
| E |
8.74% |
9.74% |
80% |
Used Vehicles - 5 Years or Newer
Cars - Trucks - Boats - RV's - Motorcycles Up to 5 Years
| Auto Pay Rates | Voluntary Pay Rates |
Financing Limit |
| A+ |
4.49% |
5.49% |
100% R² |
| A |
5.49% |
6.49% |
100% R² |
| B |
6.49% |
7.49% |
100% R² |
| C |
7.49% |
8.49% |
100% TI² |
| D |
8.49% |
9.49% |
100% LV² |
| E |
9.49% |
10.49% |
100% LV² |
Used Vehicles - 6 Years or Older
Cars - Trucks - Boats - RV's - Motorcycles Up to 5 Years
| Auto Pay Rates | Voluntary Pay Rates |
Financing Limit |
| A+ |
4.74% |
5.74% |
100% R² |
| A |
5.74% |
6.74% |
100% R² |
| B |
6.74% |
7.74% |
100% R² |
| C |
7.74% |
8.74% |
100% TI² |
| D |
8.74% |
9.74% |
100% LV² |
| E |
9.74% |
10.74% |
100% LV² |
First Mortgage
Up to 28 Years
| Auto Pay Rates | Voluntary Pay Rates | Appraised Value |
| A+ |
4.49% |
5.49% | 80% |
| A |
5.49% |
6.49% | 80% |
| B |
6.49% |
7.49% | 80% |
| C |
7.49% |
8.49% | 80% |
| D |
8.49% |
9.49% | 75% |
| E |
9.49% |
10.49% | 70% |
Second Mortgage
Up to 28 Years
| Auto Pay Rates | Voluntary Pay Rates | Appraised Value |
| A+ |
4.99% |
5.99% |
80% |
| A |
5.99% |
6.99% |
80% |
| B |
6.99% |
7.99% |
80% |
| C |
7.99% |
8.99% |
80% |
| D |
8.99% |
9.99% |
75% |
| E |
9.99% |
10.99% | 70% |
New Purchase Loans - Furniture, etc.
Up to 3 Years
| Auto Pay Rates | Voluntary Pay Rates | Purchase Price & Tx |
| A+ |
6.74% |
7.74% |
100% |
| A |
7.74% |
8.74% |
100% |
| B |
8.74% |
9.74% |
100% |
| C |
11.24% |
12.24% |
90% |
| D |
12.24% |
13.24% |
85% |
| E |
13.24% |
14.24% |
80% |
Personal - Signature Loans
Up to 3 Years
| Auto Pay Rates | Voluntary Pay Rates | |
| A+ |
8.50% |
9.50% |
3.0 X Gross Monthly Income |
| A |
9.49% |
10.49% |
3.0 X Gross Monthly Income |
| B |
9.99% |
10.99% |
2.5 X Gross Monthly Income |
| C |
10.49% |
11.49% |
2.0 X Gross Monthly Income |
| D |
11.49% |
12.49% |
1.5 X Gross Monthly Income |
| E |
12.49% |
13.49% |
1.0 X Gross Monthly Income |
Share Draft Line of Credit
Open-Ended Loan
| 16.00% | Monthly Payment $36.00 |
Share/Savings Secured
Up to 12 Months
Share/Savings Secured
Over 12 Months
Certificate Secured
Term of Certificate
| CD Rate + 2.5% | Savings Secured |
Credit Cards
| VISA | 10.9% |
| MASTERCARD | 10.9% |
| VISA GOLD | 9.9% |
Safety Deposit Box
(Key Deposit Required)
| Size | Yearly Rate | Description |
| 3x5 | $15.00 | 3x5x21 |
| 3x10 | $25.00 | 3x10x21 |
| 6x10 | $35.00 | 6x10x21 |
| 9x10 | $60.00 | 9x10x21 |
By member choice accounts are insured by ASI for up to $250,000. This institution is not federally insured, and if the institution fails, the Federal Government does not guarantee that depositors will get back their money. MEMBERS ACCOUNTS ARE NOT INSURED OR GUARANTEED BY ANY GOVERNMENT OR GOVERNMENT-SPONSORED AGENCY.
Equal Housing Opportunity