Loan Rates & Disclosures
Lock in Your Rate
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|
Type of Loan
|
APR*
|
|---|---|
| New Car (up to 84 months) |
6.25% to 12.25% |
| Used Car - Less than 100,000 Miles (up to 84 months) |
7.00% to 13.00% |
| Used Car - Greater than 100,000 Miles (up to 72 months) |
9.00% to 15.00% |
| Motorcycles (up to 60 months) |
9.75% to 15.75% |
| Recreational Vehicles (up to 144 months) |
8.25% to 11.75% |
| Credit Card (Depending on credit worthiness) |
13.25% to 16.00% |
| Share-Secured | Account Rate + 4.00% |
| Certificate Secured Loans | CD Collateral Rate + 4.00% |
| Credit Builder Loans / Fresh Start Loans | Share Collateral Rate + 4.00% |
| Signature Loans - Unsecured (up to 48 months) |
12.50% to 16.00% |
| Signature Loans with Collateral (up to 48 months) |
11.50% to 16.00% |
| Overdraft Line of Credit | 13.50% to 16.00% |
| Home Equity Line of Credit - HELOC (80% or less - combined loan-to-value CLTV) |
7.75% to 8.50% |
| Solar Loans (up to 240 months) |
5.75% to 14.00% |
| Energy Saver Loans (up to 180 months) |
5.75% to 13.75% |
Rate Discounts
An interest rate reduction of 0.25% to 0.50% can be applied to auto loans, motorcycle loans, signature loans and signature loans with collateral when any one of the following Self-Help relationship-based conditions are met:
- Purchase of an EV or PHEV vehicle.
- Loan-to-value (LTV) of less than 90%.
- Combined existence or establishment of direct deposit, share-to-loan transfer and eStatements.
- Existence or establishment of a term certificate or IRA in the amount of $5,000 or more.
- Proof of previous loan in the amount of $1,500 or more paid on time and in full with at least 12 months of payment history and no 30+ day delinquency.
* APR = Annual Percentage Rate
** APY = Annual Percentage Yield
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