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
2.49% / 2.49%
2.99% / 2.99%
3.49% / 3.49%
3.99% / 3.99%
5.49% / 5.49%
Cars & TrucksCalculator
Recreational
(New, Used or Refinanced)
12-36 Months
37-54 Months
55-66 Months
67-78 Months
79-180 Months
4.49% / 4.49%
4.99% / 4.99%
5.49% / 5.49%
5.99% / 5.99%
7.99% / 7.99%
Motorcycles, ATVs, Wintercraft, Watercraft, RVs, Trailers & TractorsCalculator
Personal
12- 36 Months
37-48 Months
8.99% / 8.99%
9.99% / 9.99%
Calculator
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
4.75% / 5.27%
5.25% / 5.53%
5.75% / 5.95%
Minimum $10,000Calculator
Home Equity LOC***
(Variable Rate)
Up to 15 Years5.00% / 5.00%Minimum $10,000Calculator
Home Equity LOC*****
(Fixed Rate)
Up to 5 Years
Up to 10 Years
Up to 15 Years
5.24% / 5.79%
5.74% / 6.03%
6.24% / 6.45%
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 current as of 8/1/18 – 8/31/18.     Prime Rate = 5.00% (As of 6/2018)
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.           Western Division accepts applications from within our Field of Membership.