Loans

Loan Type*TermsRate/APRAdditional InformationCalculator
Vehicle
(New, Used, Refinanced or Lease Buy-Out)

12-36 Months
37-54 Months
55-66 Months
67-78 Months
79-84 Months
2.99% / 2.99%
3.49% / 3.49%
3.99% / 3.99%
4.49% / 4.49%
5.99% / 5.99%
Cars & Trucks

Military/First Responder; First Time Car Buyer & Graduate Discounts
Calculator
Recreational (#)
(New, Used or Refinanced)


12-36 Months
37-54 Months
55-66 Months
67-78 Months
79-180 Months
3.99% / 3.99%
4.49% / 4.49%
4.99% / 4.99%
5.49% / 5.49%
7.49% / 7.49%
Motorcycles, ATVs, Wintercraft, Watercraft, RVs, Trailers & Tractors

Military/First Responder, First Time Motorcycle Buyer and Graduate Discounts
Calculator
Fast Cash Loan (##)Up to 12 Months
Up to 18 Months
5.99% / 5.99%
5.99% / 5.99%
Available through 8/30/19Calculator
Personal
12- 36 Months
37-48 Months
8.99% / 8.99%
9.99% / 9.99%
Military/First Responder and Graduate DiscountsCalculator
Overdraft Line of CreditOpen End12.00%/12.00%Calculator
Credit Card**Open End9.99% / 9.99%1% Rebate on purchasesCalculator
Home Equity Loan****
(Fixed Rate)
Up to 5 Years
Up to 10 Years
Up to 15 Years
5.25% / 5.78%
5.75% / 6.03%
6.25% / 6.45%
Minimum $10,000Calculator
Home Equity LOC***
(Variable Rate)
Up to 15 Years5.50% / 5.50%Minimum $10,000Calculator
Home Equity LOC*****
(Fixed Rate)
Up to 5 Years
Up to 10 Years
Up to 15 Years
4.99% / 5.54%
5.49% / 5.78%
5.99% / 6.19%
Minimum $5,000Calculator
Mortgage
15 Years
30 Years
FHA 30 Years
Click for Rate
Term Certificate Secured
Term of Certificate3.00% above Certificate Rate

Rates effective 5/20/19 – 5/31/19.     Prime Rate = 5.50% (December 2018)
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 a 5 year term.  *****Home Equity Line of Credit APR based upon a $65,000 loan with a 5 year term.      (#) Other rates, terms and conditions may apply by type of collateral.  (##) Terms up to 18 mos. for amounts greater than $2500.  No internal refinances and/or discounts. Western Division accepts applications from within our Field of Membership.    

Western Division offers Military & First Responders Discounts and First Time Car & Motorcycle Buyer & Graduate Discounts.