Loan Rates

Credit cards, lines of credit, AnyTime Loans, and more with a simple, streamlined borrowing process.

HomeRatesLoan Rates

Credit Card Loans

Visa® Traditional Rewards Credit Card

Effective Date: 8/19/2026

Visa® Traditional Rewards Credit Card
Fixed APR1Additional Information
9.90%-18.00%0% introductory rate for first 6 months for qualified members

1APR means Annual Percentage Rate. Rates are based on creditworthiness. For additional terms, conditions and disclosures, view our Cardholder Agreement.

Visa® Signature Rewards Credit Card

Effective Date: 8/19/2026

Visa® Signature Rewards Credit Card
Variable APR2Additional Information
13.74%-18.00%0% introductory rate for first 6 months for qualified members

2APR means Annual Percentage Rate. Rates are based on creditworthiness, and will vary with the market based on the U.S. Prime Rate. For additional terms, conditions and disclosures, view our Cardholder Agreement and the Signature Rewards Terms & Conditions.

Personal Loans

Lines of Credit

Effective Date: 8/19/2026

Lines of Credit
Loan TypeAPR* as low as
Lines of Credit10.25%

*APR means Annual Percentage Rate.

AnyTime Loans

AnyTime Loans

Effective Date: 8/19/2026

AnyTime Loans
Maximum TermAPR* as low asMonthly Payment per $1,000 Borrowed
36 months8.90%$31.76
48 months9.90%$25.32
60 months10.90%$21.70
84 months11.90%$17.61

*APR means Annual Percentage Rate. Rates for personal loans range from 8.9% to a maximum no greater than 18% APR. The maximum APR of 18% includes interest rate plus fees and other costs for a year and is calculated consistently with local law. The minimum period for repayment is 12 months, the maximum period for repayment is 84 months. Loan subject to approval. Not all applicants will qualify and not all borrowers will qualify for the lowest rate. The actual rate will vary depending on credit worthiness. 

AnyTime Express

Effective Date: 8/19/2026

AnyTime Express
Maximum TermAPR* as low asMonthly Payment per $1,000 Borrowed
12 months8.90%$87.41

*APR means Annual Percentage Rate. Loan amount set at $1,000, $1,500, or $2,000. Rates for an AnyTime Express personal loan range from 8.90% to a maximum no greater than 18% APR. The maximum APR of 18% includes interest rate plus fees and other costs for a year and is calculated consistently with local law. The repayment period is 12 months. Other terms and conditions may apply. Loan subject to approval. Not all applicants will qualify and not all borrowers will qualify for the lowest rate. The actual rate will vary depending on credit worthiness. 

Share Secured Loans

Effective Date: 8/19/2026

Loan TypeMaximum TermAPR* as low asMonthly Payment per $1,000 Borrowed
Certificate Secured Loan36 months (loan term cannot exceed the certificate maturity date)Share Certificate Rate +2%$29.31 (based on a 3.50% APR)
Share Secured Loan24 monthsShare Rate +2%$42.59 (based on a 2.10% APR)
Share Secured Loan60 monthsShare Rate +2%$17.62 (based on a 2.20% APR)
Share Secured Loan180 monthsShare Rate +2%$6.53 (based on a 2.20% APR)

APR= Annual Percentage Yield 

Monthly payment is per each $1,000 borrowed at the maximum stated repayment term. Your payment may vary.

Rates based on credit worthiness, so your actual rate may vary. Other terms and conditions may apply. All loans subject to credit approval. 

Auto Loans

Auto Loans – New or Used/Purchase or Refinance

Effective Date: 8/19/2026

Auto Loan
Maximum TermNew Auto APR* as low asMonthly Payment per $1,000 Borrowed (New)Used Auto APR* as low asMonthly Payment per $1,000 Borrowed (Used)
60 months4.49%$18.654.74%$18.76
72 months4.75%$16.005.00%$16.51
84 months5.49%$14.375.74%$14.49

*Annual Percentage Rate (APR) based on product, creditworthiness, loan amount, loan to value, and term. All loans subject to credit approval. Other terms and conditions may apply. Amounts may vary. Motorcycles excluded. Currently not processing lease buyouts or private party transactions.

Recreational Vehicle, Motorcycle, and Boat Loans

Effective Date: 8/19/2026

Recreational Vehicle, Motorcycle, and Boat Loans
Loan TypeMaximum TermNew APR* as low asMonthly Payment Per $1,000 Borrowed (New)Used APR* as low asMonthly Payment Per $1,000 Borrowed (Used)
Motorcycle36 Months6.25%$30.546.50%$30.65
60 Months6.50%$19.576.75%$19.69
72 Months7.00%$17.067.25%$17.17
Boat or RV*36 Months6.25%$30.546.50%$30.65
60 Months6.50%$19.576.75%$19.69
72 Months7.00%$17.067.25%$17.17
84 Month7.75%$15.478.00%$15.59
180 Months8.00%$9.578.25%$9.71

*APR means Annual Percentage Rate. RV includes: Motorboats, Motorhomes, Truck Campers, Travel Trailers and Folding Camp trailers

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