| Loan Type* | Terms | Rate/APR | Additional Information | Calculator |
|---|---|---|---|---|
| Vehicle (New, Used, Refinanced or Lease Buyout) | Up to 24 Months | 3.74% / 3.74% | Cars & Trucks Military; First Responder; Graduate & First-time Discounts | Calculator |
| 25-36 Months | 4.74% / 4.74% | |||
| 37-54 Months | 4.99% / 4.99% | |||
| 55-66 Months | 5.24% / 5.24% | |||
| 67-78 Months | 5.49% / 5.49% | |||
| 79-84 Months | 5.74% / 5.74% | |||
| Classic Vehicle (Purchase; Refinanced or Cash Out) | Up to 24 Months | 4.74% / 4.74% | Cars & Trucks Military; First Responder; Graduate & First-time Discounts | Calculator |
| 25-36 Months | 5.74% / 5.74% | |||
| 37-54 Months | 5.99% / 5.99% | |||
| 55-60 Months | 6.24% / 6.24% | |||
| Motorcycle (New, Used or Refinanced) | Up to 36 Months | 3.99% / 3.99% | Motorcycles & Dirtbikes Military; First Responder; Graduate & First-time Discounts | Calculator |
| 37-54 Months | 5.99% / 5.99% | |||
| 55-66 Months | 6.24% / 6.24% | |||
| 67-78 Months | 6.49% / 6.49% | |||
| Recreational (New, Used or Refinanced) | Up to 24 Months | 4.24% / 4.24% | ATVs, Wintercraft, Watercraft, RVs, Trailers & Tractors Military; First Responder; Graduate & First-time Discounts | Calculator |
| 25-36 Months | 6.24% / 6.24% | |||
| 37-54 Months | 6.49% / 6.49% | |||
| 55-66 Months | 6.74% / 6.74% | |||
| 67-78 Months | 6.99% / 6.99% | |||
| 79-180 Months | 7.24% / 7.24% | |||
| Personal | Up to 36 Months | 9.99% / 9.99% | Military; First Responder; Graduate & First-time Discounts | Calculator |
| Up to 48 Months | 10.99% / 10.99% | |||
| Up to 60 Months | 11.99% / 11.99% | |||
| Fast Cash | 12 - 18 Months | 6.99% / 6.99% | Available 5/1/26-8/31/26 | Calculator |
| Overdraft LOC | Open End | 12.00%/12.00% | Calculator | |
| VISA Credit Card** | Open End | 9.99% / 9.99% | 1% Rebate on purchases. | Calculator |
| Home Equity Loan**** (Fixed Rate) | Up to 5 Years | 5.74% / 5.95% | Minimum $10,000 | Calculator |
| Up to 10 Years | 5.99% / 6.20% | |||
| Up to 15 Years | 6.24% / 6.32% | |||
| Home Equity LOC*** (Variable Rate) | Up to 15 Years | 6.75% / 6.75% | Minimum $10,000 | Calculator |
| Home Equity LOC***** (Fixed Rate) | Up to 5 Years | 6.24% / 6.48% | Minimum $5,000 | Calculator |
| Up to 10 Years | 6.49% / 6.61% | |||
| Up to 15 Years | 6.74% / 6.83% | |||
| Mortgage | 10 Years | 6.25% / 6.50% | Ask about our Home Buyer Dream Programs | |
| 15 Years | 6.25% / 6.43% | |||
| 20 Years | 6.50% / 6.64% | |||
| 25 Years | 6.50% / 6.62% | |||
| 30 Years | 6.75% / 6.86% | |||
| Certificate Secured | Term of Certificate | 3.00% above Certificate Rate |
Rates effective 5/01/26 Prime Rate = 6.75% (December 2025)
APR = Annual Percentage Rate
*Loan rate reflects 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 and conditions may apply.
**VISA® Credit Card APR will vary with the market based on Prime. ***Home Equity Line of Credit is Prime. ****Home Equity Loan APR based upon a $65,000 loan with term. *****Home Equity Line of Credit APR based upon a $65,000 loan with term. No internal refinances and/or discounts. Western Division accepts applications from within our Field of Membership.
Western Division offers Military, First Responder; Graduate and First Time Discounts
