Loan Rates

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Loan Rates 2022-12-02T16:39:32+00:00

Loan Rates as of:  December 1,  2022

2020 & Newer Automobiles and Motorcycles

TermAPR*Payment per $1,000
36 Months4.24%$29.63
48 Months4.24%$22.68
60 Months4.74%$18.75
72 Months4.74%$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

TermAPR*Payment per $1,000
36 Months4.74%$29.85
48 Months4.99%$23.02
60 Months5.24%$18.98
72 Months5.49%$16.33
84 Months6.49%$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

TermAPR*Payment per $1,000
36 Months6.24%$30.53
48 Months6.74%$23.83
60 Months7.24%$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

TermAPR*Payment per $1,000
72 Months5.74%$16.45
84 Months6.24%$14.72
96 Months6.99%$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

TermAPR*Payment per $1,000
72 Months6.99%$17.04
84 Months7.49%$15.33
96 Months7.99%$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

TermAPR*Payment per $1,000
36 Months6.49%$30.64
48 Months6.74%$23.83
60 Months6.99%$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

TermAPR*Payment per $1,000
36 Months7.49%$31.10
48 Months7.74%$24.29
60 Months7.99%$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

TermAPR*Payment per $1,000
12 Months9.49%$87.70
24 Months9.74%$46.03
36 Months9.99%$32.27
48 Months10.99%$25.84
60 Months11.99%$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

TermAPR*Payment per $1,000
12 Months3.49%$84.92
24 Months3.49%$43.20
36 Months3.49%$29.30
48 Months3.99%$22.57
60 Months3.99%$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 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 Line of Credit6.25%
Home Equity 2nd Fixed7.49%
*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

.Equal Housing Lender