Consumer Loan Rates

 

Auto/Vehicle Loan Rates

Model YearAPR*
New 2024-2025 5.24% to 16.24%
Used 2025 & older 5.49% to 17.74%

APR=Annual Percentage Rate. Loan rates are subject to change. Your actual rate and terms are affected by your creditworthiness, down payment, vehicle/collateral model year and term selected. Rate discount of 0.25% off the standard rate for members who have direct deposit and eStatements. Product offers, terms and other information provided herein are subject to change without notice.
Payment example: For a $10,000 loan for 60 months at 5.24%, the monthly payment would be $190.30. Rates are effective as of July 22, 2024

 

**Refinances from other institutions only.

Smart Choice Vehicle Loan

Model YearAPR*
2024-2025 (New) 5.99% – 15.99%
2020-2025 (Used) 5.99% – 15.99%

Boat/RV Loan Rates

Model YearAPR*
New 2024-2025 6.49% to 15.99%
Used 2025 & older 6.74% to 17.74%

APR=Annual Percentage Rate. Loan rates are subject to change. Your actual rate and terms are affected by your creditworthiness, down payment, vehicle/collateral model year and term selected. Rate discount of 0.25% off the standard rate for members who have direct deposit and eStatements. Product offers, terms and other information provided herein are subject to change without notice.
Payment example: For a $10,000 loan for 60 months at 5.24%, the monthly payment would be $190.30. Rates are effective as of July 22, 2024

 

**Refinances from other institutions only.

Motorcycle Loan Rates

Model YearAPR*
New 2022-2023 5.99% to 14.74%
Used 2023 & older 6.24% to 14.99%

APR=Annual Percentage Rate. Loan rates are subject to change. Your actual rate and terms are affected by your creditworthiness, down payment, vehicle/collateral model year and term selected. Rate discount of 0.25% off the standard rate for members who have direct deposit and estatements. Product offers, terms and other information provided herein are subject to change without notice.
Payment example: For a $10,000 loan for 60 months at 5.24%, the monthly payment would be $190.30. Rates are effective as of July 1, 2024

 

**Refinances from other institutions only.

Personal Loan Rates

Personal Line of Credit

AmountAPR*
$500.00 - $20,000.00 11.24% to 17.74%

APR=Annual Percentage Rate. Loan rates are subject to change. Your actual rate and terms are affected by your creditworthiness and term selected. Rate discount of 0.25% off the standard rate for members who have direct deposit and estatements. Product offers, terms and other information provided herein are subject to change without notice. We will begin charging interest on the transaction date. Minimum APR 11.24% – Maximum APR 17.74%.
Payment example: Personal Lines Of Credit minimum monthly payments are based on 3% of the loan’s outstanding balance. For a Personal Line of credit with a $10,000 outstanding balance, the minimum monthly payment would be $300.00. Rates are effective as of July 1, 2024.

Personal Loan

AmountAPR*
$5,000.00 - $30,000.00 10.49% to 16.99%

APR=Annual Percentage Rate. Loan rates are subject to change. Your actual rate and terms are affected by your creditworthiness and term selected. Rate discount of 0.25% off the standard rate for members who have direct deposit and eStatements. Product offers, terms and other information provided herein are subject to change without notice. We will begin charging interest on the transaction date. Minimum APR 10.49% – Maximum APR 16.99%.
Payment example: For a $10,000 Personal loan for 60 months at 10.49%, the monthly payment would be $215.97. Rates are effective as of July 1, 2024.

Personal Home Improvement Loan Rates

AmountAPR*
$1,000.00 - $15,000.00 4.99% to 7.99%

APR=Annual Percentage Rate. Loan rates are subject to change. Your actual rate and terms are affected by your creditworthiness and term selected. Rate discount of 0.25% off the standard rate for members who have direct deposit and estatements. Product offers, terms and other information provided herein are subject to change without notice. We will begin charging interest on the transaction date. Minimum APR 4.99% – Maximum APR 7.99%.
Payment example: For a $10,000 Home Improvement loan for 60 months at 4.99%, the monthly payment would be $189.10. Rates are effective as of July 1, 2024.

Share Secured Line of Credit

  • 2% over the current dividend rate

APR=Annual Percentage Rate. Loan rates are subject to change. Your actual rate and terms are affected by your creditworthiness and term selected. Rate discount of 0.25% off the standard rate for members who have direct deposit and eStatements. Product offers, terms and other information provided herein are subject to change without notice. We will begin charging interest on the transaction date. Minimum APR 1.95% – Maximum APR 2.15%.
Payment example: Shared Secured minimum monthly payments are based on 2% of the loan’s outstanding balance. For a Shared Secured loan with a $10,000 outstanding balance, the minimum monthly payment would be $200.00. Rates are effective as of July 1, 2024.

Certificate Secured Loan

  • 3% over the current dividend rate

Credit Build/Rebuild - "Fresh Start" Loan

AmountAPR*
$500.00 - $1,500.00 6.24% to 6.49%

*Annual Percentage Rate. Includes a rate discount of 0.25% off the standard rate for members who have direct deposit and eStatements, or a 20% down payment on vehicle, motorcycle, RV, and boat loans. All rates are based on an evaluation of the member’s individual credit history. Your actual rate may vary. Product offers, terms and other information provided herein are subject to change without notice. For more information, please call Member Connection at 561-965-1000. Rates are effective as of July 1, 2024.

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