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Loan Rates

All Consumer Loan Rates All Consumer Deposit Rates Auto Loan Rates Boat and RV Loan Rates Home Equity and Mortgage Rates Personal Loan Rates Certificate Account Rates Money Market Account Rates Checking Account Rates Savings Account Rates

All Business Loan Rates All Business Deposit Rates Business Line of Credit Rates Business Purpose Auto Rates Business Commercial Vehicle Rates Business Equipment Rates Premium Business Checking Rates

Table data for Auto Loan Rates
 Effective 07-09-2025
Model Year Term Minimum Loan Amount APR as low as1 Alert Me
New 2025 (6,000 miles or less) 1 to 48 months No minimum 4.75% Receive a notification when this rate changes
New 2025 (6,000 miles or less) 49 to 60 months No minimum 4.85% Receive a notification when this rate changes
New 2025 (6,000 miles or less) 61 to 66 months $15,000 5.25% Receive a notification when this rate changes
New 2025 (6,000 miles or less) 67 to 72 months $15,000 5.25% Receive a notification when this rate changes
New 2025 (6,000 miles or less) 73 to 75 months $20,000 5.49% Receive a notification when this rate changes
New 2025 (6,000 miles or less) 76 to 84 months $25,000 6.09% Receive a notification when this rate changes
Used 2025-2024 1 to 48 months No minimum 5.04% Receive a notification when this rate changes
Used 2025-2024 49 to 60 months No minimum 5.10% Receive a notification when this rate changes
Used 2025-2024 61 to 66 months $15,000 5.50% Receive a notification when this rate changes
Used 2025-2024 67 to 72 months $15,000 5.50% Receive a notification when this rate changes
Used 2025-2024 73 to 75 months $20,000 5.74% Receive a notification when this rate changes
Used 2025-2024 76 to 84 months $25,000 6.34% Receive a notification when this rate changes
1APR as low as = Annual Percentage Rate (APR). Rates shown not available in VA, NC, UT, NV, and TX. Other rates subject to terms and are based on creditworthiness, therefore rates and terms may differ. Not all applicants will qualify for the lowest rate. Auto debit discount of 0.25% APR, Member Loyalty discount of .25% APR, and loan to value of less than 90% discount of 0.25% APR. Discounts may not exceed 0.75% APR. A $25,000, 60 month, 2025 auto loan at 4.85% Annual Percentage Rate (APR) will have estimated monthly payments of $471. Payment does not include applicable taxes and insurance. Rate shown with all applicable discounts.

Table data for Recreational Vehicle & Watercraft Loan Rates
 Effective 07-09-2025
Recreational Vehicle Type New/Used Term Annual Percentage Rate (APR)
As Low As		 Alert Me
Motorhome New Up to 180 Months 4.84%
Motorhome Used Up to 180 Months 5.34%
Travel Trailers New Up to 180 Months 4.84%
Travel Trailers Used Up to 180 Months 5.34%
Boats New Up to 120 Months 4.94%
Boats Used Up to 120 Months 5.50%
Motorcycles New Up to 78 Months 5.40%
Motorcycles Used Up to 78 Months 6.60%
Other Watercraft New Up to 78 Months 5.50%
Other Watercraft Used Up to 78 Months 6.70%
Other RVs New Up to 78 Months 5.25%
Other RVs Used Up to 78 Months 6.45%
*APR as low as = Annual Percentage Rate (APR). Other rates subject to terms and are based on creditworthiness, therefore rates and terms may differ. Not all applicants will qualify for the lowest rate. Auto debit discount of 0.25% APR, Member Loyalty discount of .25% APR, and loan to value of less than 80% discount of 0.25% APR. Discounts may not exceed 0.50% APR. Payment does not include applicable taxes and insurance. Rate shown with all applicable discounts and lowest term.

Table data for Credit Card Rates
 Effective 07-09-2025
Visa Credit Cards Term Variable APR as low as1 Alert Me
Visa Signature Rewards Revolving Account 15.24% Receive a notification when this rate changes
Visa Rewards Revolving Account 14.24% Receive a notification when this rate changes
Visa Preferred Rate Revolving Account 12.24% Receive a notification when this rate changes
Visa Secured Revolving Account 17.89% Receive a notification when this rate changes
1Annual Percentage Rate
Credit Card Disclosure

Table data for Home Equity Rates
 Effective 07-09-2025
Home Equity Options Term Max LTV1 APR (As Low As )2 Alert Me
Equity Loan Up to 240 mos 90% 6.49% Receive a notification when this rate changes
Variable with Fixed Rate Option3 -- 90% 8.00% Receive a notification when this rate changes
Fixed Rate Option Up to 180 mos -- 6.49% Receive a notification when this rate changes
Requests for maximum LTV will be considered on a case-by-case basis. Up to 90% LTV financing is available on single family detached residences in all states except Texas, and is based on credit qualifications. Up to 80% LTV financing is available on single family detached residences in Texas, and is based on credit qualifications. All rates and terms quoted above apply to properties that are occupied by the borrower. 60 payments of $18.75 per $1,000 borrowed. Rate is based on 80% or less LTV for 2nd lien position requests.
1Loan-to-value
2Annual Percentage Rate
3Annual Percentage Rate may vary. Rates subject to change after opening. Fees, generally ranging from $300 to $850, may be incurred. Maximum APR is 18%.
Table data for Mortgage Rates
 Effective 07-09-2025
Special Financing Options Term Rate APR Points Alert Me
100% Financing 5/1 5.625% 5.725% Receive a notification when this rate changes
30 Years 6.625% 6.625% Receive a notification when this rate changes
First-Time Homebuyer 30 Years 7.125% 7.125% Receive a notification when this rate changes
15 Years 6.375% 6.375% Receive a notification when this rate changes
Loan Type Term Rate APR Points Alert Me
Purchase
Fixed Rate Mortgage		 30 Years 6.625% 6.625% 0.000 Receive a notification when this rate changes
15 Years 5.875% 5.875% 0.000 Receive a notification when this rate changes
Refinance
Fixed Rate Mortgage		 30 Years 6.625% 6.625% 0.000 Receive a notification when this rate changes
15 Years 5.875% 5.875% 0.000 Receive a notification when this rate changes
FHA 30 Years 6.5% 7.202% 0.000 Receive a notification when this rate changes
15 Years 5.875% 6.558% 0.125 Receive a notification when this rate changes
VA 30 Years 6.500% 6.724% 0.250 Receive a notification when this rate changes
15 Years 6.250% 6.583% 0.000 Receive a notification when this rate changes
ARM Options Term Rate APR Points Alert Me
ARM Loan 5/1 5.625% 5.725% Receive a notification when this rate changes
5/5 5.625% 5.725% Receive a notification when this rate changes
7/1 6.000% 6.100% Receive a notification when this rate changes
10/1 6.375% 6.475% Receive a notification when this rate changes
Receive a notification when this rate changes
Receive a notification when this rate changes
Click here for Required Disclosures *A $250,000, 30 year mortgage loan at 4.875% APR will have estimated monthly payments of $1,323.02. Payment does not include applicable taxes and insurance. 100% Financing: • Not conforming to Fannie Mae standards. • Available for the purchase of primary residences only. • For loan amounts up to $766,550 with Loan-to-Value (LTV) ratios of 97.01% to 100%. • 97% financing available in most states, subject to credit underwriting. • Additional underwriting guidelines may apply.
Table data for Personal Loan Rates
 Effective 07-09-2025
Personal Loan Options Term APR (as low as)1 Alert Me
Signature Loan Up to 60 Months 11.74% Receive a notification when this rate changes
Line of Credit Revolving Account 12.24% Receive a notification when this rate changes
Shared & Certificate Secured Loans Up to 144 Months 3% above the highest tiered rate Receive a notification when this rate changes
1Annual Percentage Rate. A $10,000, 60 month signature loan at 11.74% Annual Percentage Rate (APR) will have estimated monthly payments of $223. Payment does not include applicable taxes and insurance.