Savings Rates | Loan Rates

Loan Type**	Terms	APR*	Additional Information
Vehicle (New, Used or Refinanced)	Up to 48 Months 60 Months 72 Months	2.99% 2.99% 3.49%	Cars, Trucks, Motorcycles
Recreational (New, Used or Refinanced)	Up to 60 Months 72+ Months	6.99% 7.49%	ATVs, Wintercraft, Watercraft, RVs, Trailers
Personal	Up to 24 Months 36 Months 48 Months	8.99% 9.49% 9.99%
Overdraft Line of Credit	Open End	12.00%
Credit Card (Variable Rate)	Open End	11.25%	** 1% Rebate on purchases
Mini Equity	Up to 10 Years	6.00%	Minimum amount $10,000 Maximum amount $25,000
Home Equity Loan - (Fixed Rate)   Line of Credit - (Variable Rate)	Up to 5 Years 10 Years 15 Years   Up to 15 Years	5.25% 5.75% 6.25%   4.00%	Minimum amount $25,000       .
Mortgage (Fixed Rate)	30 Years 15 Years	Click for Rate Click for Rate
Term Certificate Secured	Term of Certificate	3.00% above Certificate Rate

Rates current from 2/01/2012 - 2/29/2012. Prime Rate = 3.25% (As of 1/01/2009)

* APR = Annual Percentage Rate
** Loan rates reflect the lowest rate available on approved credit as determined by the credit-worthiness of each applicant.
Rates are subject to change without notice. Other rates, terms, fees or conditions may apply. Current Western Division loans are not eligible for rate refinancing. Home Equity Line of Credit is Prime with a floor of 4.00%. Visa Credit Card is Prime + 8.00%.

Western Division accepts applications from within our Field of Membership