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Loan Rates

Automobile Loans

 

New & Late Model Used 2 years or newer

  Term APR*
  Up to 24 months As low as 2.24%
  Up to 36 months As low as 2.49%
  Up to 48 months As low as 2.74%
  Up to 60 months As low as 2.99%
  Up to 72 months As low as 3.74%
  Up to 84 months** As low as 3.99%

* APR equals Annual Percentage Rate
**Late-model used vehicles under 40,000

 

 

Used Auto - 3 to 4 Years Old^

  Term APR*
  Up to 24 months As low as 2.24%
  Up to 36 months As low as 2.49%
  Up to 48 months As low as 2.74%
  Up to 60 months As low as 2.99%
  Up to 72 months As low as 3.74%

 

 

Used Auto - 5 to 8 Years Old^

Term APR*
Up to 24 months As low as 3.24%
Up to 36 months As low as 3.49%
Up to 48 months As low as 3.74%
Up to 60 months As low as 3.99%

 

 

Used Auto - 9 to 12 Years Old^

Term APR*
Up to 24 months As low as 4.24%
Up to 36 months As low as 4.49%
Up to 48 months As low as 4.74%

 

^Used automobiles between 3 and 12 years old with less than 150,000 miles.
* APR equal Annual Percentage Rate. 

Recreational Vehicle Loans

Loan Product

Term

APR*

Motorcycle Loans Up to 36 months As low as 3.74%
Motorcycle Loans Up to 48 months As low as 4.25%
Motorcycle Loans Up to 60 months As low as 4.74%
     
RV/Camper/Boat/Personal Watercraft Loans Up to 36 months As low as 3.74%
RV/Camper/Boat/Personal Watercraft Loans Up to 48 months As low as 4.25%
RV/Camper/Boat/Personal Watercraft Loans Up to 60 months As low as 4.74%
RV/Camper/Boat/Personal Watercraft Loans Up to 72 months As low as 5.49%
RV/Camper/Boat Loans Up to 120 months $15,000+ As low as 5.75%
RV/Camper/Boat Loans Up to 180 months $25,000+ As low as 6.01% 
     
ATV/Snowmobile Loans Up to 36 months As low as 4.99%
ATV/Snowmobile Loans Up to 48 months As low as 5.25%
ATV/Snowmobile Loans Up to 60 months As low as 5.74%
     
Secured Loans Approximate terms
up to 84 months

Contact us
for current rates

Personal Loans Approximate terms
up to 60 months
9.25%-18% based
on personalized
loan rates.
VISA Classic Credit Card Payment =
2.6% of the balance
14%
     
Home Equity Loan - Click here    
Home Equity Line of Credit - Click here 1-Year
Introductory Rate
2.99% APR**

Current Rates: Effective October 1, 2018

Loan Calculators      |      Mortgage Rates are available through Owner’s Choice Mortgage     |      View Deposit Rates on Checking and Savings Accounts

Rates vary based on individual credit history and the term of the loan.

*APR equals Annual Percentage Rate and is subject to credit qualification.

**Membership Eligibility and credit qualification required. This APR (Annual percentage rate) is locked for 12 months and subject to change annually on the anniversary of the loan. To determine the APR we add 3.25% to the one year constant maturity treasury.  Max APR that may be imposed is 16%. Available on owner-occupied primary residences with loans up to 80% Loan-to-Value (LTV).  Appraisal fee required at time of application and refunded at closing. Homeowners insurance required. Member would be responsible for cost of purchasing self-elected owner’s title insurance, any extenuating title issues, and flood insurance (if applicable). APR and terms stated are effective 6/13/2016, and are subject to change at any time.