Loan Rates

//Loan Rates
Loan Rates 2019-06-12T17:29:57+00:00

Loan Rates as of January 1, 2019

2016 & Newer Automobiles and Motorcycles

TermAPR*Payment per $1,000
36 Months3.24%$29.18
48 Months3.24%$22.24
60 Months3.49%$18.18
72 Months3.49%$15.41
84 Months**5.49%$14.36
* APR is annual percentage rate. Rates are based on credit scores. Excludes MCU refinances.
** 84 month-term is limited to loan amounts of $20,000 or more and require approval.
*** .25% rate reduction for loan set up on auto pay from MCU Savings or Checking Account.

 

2012 - 2015 Automobiles and Motorcycles

TermAPR*Payment per $1,000
36 Months3.74%$29.41
48 Months3.99%$22.57
60 Months3.99%$18.41
72 Months4.24%$15.75
* APR is annual percentage rate. Rates are based on credit scores. Excludes MCU refinances.
** .25% rate reduction for loans set up on auto pay from MCU Savings or Checking Accounts.

 

2009 - 2011 Automobiles and Motorcycles

TermAPR*Payment per $1,000
24 Months5.24%$43.98
36 Months5.49%$30.19
48 Months5.74%$23.46
* APR is annual percentage rate. Rates are based on credit scores. Excludes MCU refinances.
** 48 month term requires approval.
*** .25% rate reduction for loans set up on auto pay from MCU Savings or Checking Accounts.

 

2006 - 2008 Automobiles and Motorcycles

TermAPR*Payment per $1,000
24 Months6.24%$44.43
36 Months6.49%$30.64
* APR is annual percentage rate. Rates are based on credit scores. Excludes MCU refinances.
** Older vehicles upon request
*** .25% rate reduction for loans set up on auto pay from MCU Savings or Checking Account.

 

Off-Road Vehicles

TermAPR*Payment per $1,000
12 Months10.90%$88.33
24 Months10.90%$44.72
36 Months10.90%$30.83
48 Months10.90%$25.79
* APR is annual percentage rate. Rates are based on credit scores. Excludes MCU refinances.
** Vehicles subject to approval
*** .25% rate reduction for loan set up on auto pay from MCU Savings or Checking Account.

 

Personal Unsecured Loans

TermAPR*Payment per $1,000
12 Months11.99%$88.87
24 Months11.99%$47.08
36 Months11.99%$33.22
48 Months12.49%$26.58
60 Months12.49%$22.50
*APR is annual percentage rate. Personal unsecured loan limits vary between $500 - $10,000 with a maximum term of 60 months. Consumer loan rates based upon qualified credit. Other terms and rates are available; some restrictions may apply. Loans and rates are subject to credit approval. Rates and terms are subject to change.

 

Personal Share Secured Loans

TermAPR*Payment per $1,000
12 Months3.99%$85.15
24 Months3.99%$43.42
36 Months3.99%$29.52
48 Months4.49%$22.80
60 Months4.49%$18.64
* APR is annual percentage rate. Personal Share Secured loan limits may vary between $500 - $5,000 with a maximum term of 60 months. Consumer loan rates based upon qualified credit. Other terms and rates are available; some restrictions may apply. Loans and rates are subject to credit approval. Rates and terms are subject to change.

 

VISA Credit Cards

Card TypeAPR*
VISA
Credit Cards
8.90%
Credit Builder
17.90%
* APR is annual percentage rate. Rates are based upon qualified credit. Other terms and rates are available; some restrictions may apply. Eligibility and rates are subject to credit approval. Rates and terms are subject to change. Please refer to VISA Credit Card Agreements for additional information.

 

Kwik Cash Loan

Loan TypeAPR*
Kwik Cash12.90%
* APR is annual percentage rate. Kwik Cash limits may vary. Consumer loan rates based upon qualified credit. Other terms and rates are available; some restrictions may apply. Loans and rates are subject to credit approval. Rates and terms are subject to change.

 

Home Equity Line of Credit

Loan TypeAPR*
Home Equity line5.50%
*APR is annual percentage rate. Home Equity limits may vary. Consumer loan rates based upon qualified credit. Other terms and rates are available; some restrictions may apply. Loans and rates are subject to credit approval. Rates and terms subject to change.

 

For a printable loan rate sheet, please click here.

All rates are subject to change without notice.  Longer terms may be available at higher rates and are subject to approval.  Loan specials will be approved for credit only.  Other rates may apply if not approved for loan special rates.  For credit scores between 679-640, a 1.00% increase will be added to the current loan rate.  A 3.00% increase will be added to the current loan rate for credit scores between 639-600.  A 5.00% increase may be added to the current loan rate for credit scores if 599 or below or denied.  Loan rates will not exceed 18.00% APR.

 

.Equal Housing Lender