New Auto Loan Rates
EFFECTIVE January 1, 2025
| Term | Down Payment | APR* |
|---|---|---|
| 24 months | 0% down | 4.69% - 16.50% |
| 25 - 36 months | 0% down | 4.69% - 16.50% |
| 37 - 48 months | 0% down | 5.00% - 16.75% |
| 49 - 60 months | 0% down | 5.59% - 17.00% |
| 61 - 72 months | 0% down | 6.09% - 15.50% |
| 73 - 84 months | 0% down | 6.69% - 6.89% |
| 24 months | 10% down | 4.59% - 16.00% |
| 25 - 36 months | 10% down | 4.59% - 16.00% |
| 37 - 48 months | 10% down | 4.99% - 16.25% |
| 49 - 60 months | 10% down | 5.49% - 16.50% |
| 61 - 72 months | 10% down | 5.99% - 15.00% |
| 73 - 84 months | 10% down | 6.59% - 6.79% |
Used Vehicle Loan Rates
EFFECTIVE January 1, 2025
| Term | Down Payment | APR* |
|---|---|---|
| 24 -36 months | 10% down | 5.00% - 13.00% |
| 37 -48 months | 10% down | 5.00% - 13.25% |
| 49 - 60 months | 10% down | 5.00% - 13.50% |
| 61 - 72 months | 10% down | 6.00% - 13.75% |
| 73 - 84 months | 10% down | 6.50% - 7.75% |
| 24 - 36 months | 0% down | 5.50% - 15.50% |
| 37 - 48 months | 0% down | 5.50% - 15.75% |
| 49 - 60 months | 0% down | 5.50% - 16.00% |
| 61 - 72 months | 0% down | 6.50% - 7.75% |
| 73 - 84 months | 0% down | 7.00% - 8.25% |
Personal Lending Rates
EFFECTIVE January 1, 2025
| Loan Type | Term | APR* | Loan Amount |
|---|---|---|---|
| Personal Loan | Varies | 8.09% - 17.84% | $25,000.00 max. |
| Quick Silver Line of Credit | Revolving | 15.25% | $7,500.00 max. |
| Educational Loan | Varies | 7.84% - 14.84% | $12,000.00 max. |
Visa Credit Card Rates & Charges
Effective January 1, 2025
| Interest Rate and Charges | Visa Classic | Visa Secured |
|---|---|---|
| Annual Percentage Rate (APR) for Purchases | 13.50% | 11.00% |
| Annual Percentage Rate (APR) for Balance Transfers | 13.50% | 11.00% |
| Annual Percentage Rate (APR) for Cash Advances | 13.50% | 11.00% |
| Paying Interest | We will not charge You interest on purchases if You pay Your entire balance owed each month within 25 days of Your statement closing date. We will begin charging interest on cash advances and balance transfers on the transaction date. | |
| For Credit Card Tips from the Federal Reserve Board | To learn more about factors to consider when applying for or using a Credit Card, visit the website of the Federal Reserve Board at http://www.federalreserve.gov/creditcard. | |
| Annual Fee | $15.00 | $15.00 |
| Late Payment Fee | $30.00 after 15 days | $30.00 after 15 days |
| Returned Check Fee | $30.00 | $30.00 |
Secured Lending Rates
EFFECTIVE January 1, 2025
| Loan Type | Term | APR* | Loan Amount |
|---|---|---|---|
| Share Secured | 1-5 Years | 3.50% | Based on Collateral |
| Share Secured | > 5 Years | 3.75% | Based on Collateral |
| Certificate Secured | Varies | 2% above certificate rate | Based on Collateral |
*APR= Annual Percentage Rate LTV=Loan to Value Ratio. All rates and terms are based on an evaluation of each member’s credit history‚ loan-to-value (LTV) payment type, loan amount‚ and loan purpose‚ so your rate and terms may differ. All loans are subject to credit approval. Financing of Tax and Tags for Autos is subject to approval. Direct Deposit and/or Payroll Deduction required for C and D Borrowers.