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Loan Rates

Savings Rates | Loan Rates

Loan Type* Terms Rate / APR Additional Information

Vehicle
(New, Used or Refinanced

or Lease Buy-Out)

Up to 36 Months
Up to 60 Months
Up to 72 Months
Up to 84 Months
2.49% / 2.49%
2.99% / 2.99%
3.49% / 3.49%
4.99% / 4.99%
Cars & Trucks
Recreational
(New, Used or Refinanced)
Up to 36 Months
Up to 60 Months
Up to 72 Months
Up to 84+ Months
4.49% / 4.49%
4.99% / 4.99%
5.49% / 5.49%
7.49% / 7.49%

Motorcycles, ATVs, Wintercraft,

Watercraft, RVs, Trailers and Tractors

Personal

Up to 48 Months
8.99% / 8.99%

 

Overdraft Line of Credit Open End 12.00% / 12.00%  
Credit Card**
(Variable Rate)
Open End 9.99% / 9.99%
1% Rebate on purchases
Home Equity LOC***
(Variable Rate)
Up to 15 Years 4.50% / 4.50%
Minimum amount $10,000
Home Equity Loan****
(Fixed Rate)

 

Up to 5 Years
Up to 10 Years
Up to 15 Years
4.25% / 4.77%
4.75% / 5.03%
5.25% / 5.45%
Minimum amount $10,000
Mortgage
(Fixed Rate)
15 Years
30 Years
Click for Rate
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Term Certificate Secured Term of Certificate 3.00% above Certificate Rate  

Rates current as of 2/1/18 - 2/28/18. Prime Rate = 4.50% (As of 12/2017)

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.

**Credit Card APR will vary with the market based on the Prime Rate.

***Home Equity Line of Credit is Prime.

****Home Equity Loan APR based on a $65,000 loan.

Western Division accepts applications from within our Field of Membership

Your savings are federally insured to at least $250,000 and backed by the full faith and credit of the United States Government National Credit Union Administration, a U.S. Government Agency.