Loan Rates

Loan Rates as of:  December 1,  2022

2020 & Newer Automobiles and Motorcycles

Term	APR*	Payment per $1,000
36 Months	4.24%	$29.63
48 Months	4.24%	$22.68
60 Months	4.74%	$18.75
72 Months	4.74%	$15.98
84 Months**	5.74%	$14.48

* APR is annual percentage rate. Rates are based on credit scores. Excludes MCU refinances.
** 84 month-term is limited to loan amounts >$35,000 LIMITED TO 2021-2023 ONLY
*** .25% rate reduction for loan set up on auto pay from MCU Savings or Checking Account.
****Internal refinances subject to $250 one-time fee

2015 - 2019 Automobiles and Motorcycles

Term	APR*	Payment per $1,000
36 Months	4.74%	$29.85
48 Months	4.99%	$23.02
60 Months	5.24%	$18.98
72 Months	5.49%	$16.33
84 Months	6.49%	$14.84

* APR is annual percentage rate. Rates are based on credit scores. Excludes MCU refinances.
** 84 month-term is limited to loan amounts > $30,000
*** .25% rate reduction for loans set up on auto pay from MCU Savings or Checking Accounts.
****Internal refinances subject to $250 one-time fee

2012-2014 Automobiles and Motorcycles

Term	APR*	Payment per $1,000
36 Months	6.24%	$30.53
48 Months	6.74%	$23.83
60 Months	7.24%	$19.91
72 Months**	8.24%	$17.65

* APR is annual percentage rate. Rates are based on credit scores. Excludes MCU refinances.
** 72 month loans limited to > $20,000
*** .25% rate reduction for loans set up on auto pay from MCU Savings or Checking Accounts.
****Internal refinances subject to $250 one-time fee.

2013 & Newer Boats and Campers

Term	APR*	Payment per $1,000
72 Months	5.74%	$16.45
84 Months	6.24%	$14.72
96 Months	6.99%	$13.63
120 Months***	7.49%	$11.86
180 Months***	7.99%	$9.55

*Rates are based on credit scores. Excludes MCU refinances.
** 90% Maximum LTV / 110% maximum with GAP/Extended Warranty
***120 months for loans > $50,000 / 180 months for loans > $100,000
****.25% reduction for loans set up on auto pay from MCU Savings/Checking
*****Internal refinances subject to $250 one-time fee.

2002-2012 Boats and Campers

Term	APR*	Payment per $1,000
72 Months	6.99%	$17.04
84 Months	7.49%	$15.33
96 Months	7.99%	$14.13
120 Months***	8.49%	$12.39

*Rates are based on credit scores. Excludes MCU refinances.
**80% Maximum LTV / 100% maximum with GAP/Extended Warranty
***120 month for loans >$50,000
**** .25% reduction for loans set up on auto pay from MCU Savings/Checking
*****Internal refinances subject to $250 one-time fee.

2018 & Newer Powersports

Term	APR*	Payment per $1,000
36 Months	6.49%	$30.64
48 Months	6.74%	$23.83
60 Months	6.99%	$19.80
72 Months***	7.24%	$17.16

* APR is annual percentage rate. Rates are based on credit scores. Excludes MCU refinances.
**90% maximum LTV.
*** 72 month-term is limited to loan amounts of >$10,000.
*** .25% rate reduction for loan set up on auto pay from MCU Savings or Checking Account.
*****Internal refinances subject to $250 one-time fee.

2013-2017 Powersports

Term	APR*	Payment per $1,000
36 Months	7.49%	$31.10
48 Months	7.74%	$24.29
60 Months	7.99%	$20.27

* APR is annual percentage rate. Rates are based on credit scores. Excludes MCU refinances.
** 80% maximum LTV.
*** .25% rate reduction for loan set up on auto pay from MCU Savings or Checking Account.

Personal Unsecured Loans

Term	APR*	Payment per $1,000
12 Months	9.49%	$87.70
24 Months	9.74%	$46.03
36 Months	9.99%	$32.27
48 Months	10.99%	$25.84
60 Months	11.99%	$22.23

*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.
*Internal refinances subject to $250 one-time fee.

Personal Share Secured Loans

Term	APR*	Payment per $1,000
12 Months	3.49%	$84.92
24 Months	3.49%	$43.20
36 Months	3.49%	$29.30
48 Months	3.99%	$22.57
60 Months	3.99%	$18.41

* 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 Type	APR*
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 Type	APR*
Kwik Cash	12.90%

* 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 Type	APR*
Home Equity Line of Credit	6.25%
Home Equity 2nd Fixed	7.49%

*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.

APR means Annual Percentage Rate. 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 of 599-550.  A 7.00 % increase may be added to the current loan rate for credit scores of 549 or below. Loan rates will not exceed 18.00% APR

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