Loans

Loan Type*TermsRate/APRAdditional InformationCalculator
Vehicle
(New, Used, Refinanced or Lease Buyout)
Up to 24 Months
25-36 Months
37-54 Months
55-66 Months
67-78 Months
79-84 Months
1.99% / 1.99%
2.49% / 2.49%
2.99% / 2.99%
3.49% / 3.49%
3.99% / 3.99%
4.49% / 4.49%
Cars & Trucks

Military/First Responder; First Time Car Buyer & Graduate Discounts
Calculator
Motorcycle
(New, Used or Refinanced)
Up to 24 Months
25-36 Months
37-54 Months
55-66 Months
67-78 Months
2.74% / 2.74%
3.24% / 3.24%
3.74% / 3.74%
4.24% / 4.24%
4.74% / 4.74%
Motorcycles

Military/First Responder; First Time Motorcycle Buyer & Graduate Discounts
Calculator
Recreational
(New, Used or Refinanced)
Up to 24 Months
12-36 Months
37-54 Months
55-66 Months
67-78 Months
79-180 Months
3.49% / 3.49%
3.99% / 3.99%
4.49% / 4.49%
4.99% / 4.99%
5.49% / 5.49%
5.99% / 5.99%
ATVs, Wintercraft, Watercraft, RVs, Trailers & Tractors

Military/First Responder & Graduate Discounts
Calculator
Personal

12-36 Months
37-48 Months
6.99% / 6.99%
7.99% / 7.99%
Military/First Responder & Graduate DiscountsCalculator
Holiday Loan

12 Months
5.99% / 5.99%
Available 10/1/20-12/31/20Calculator
Overdraft LOCOpen End12.00%/12.00%Calculator
VISA Credit Card**Open End
5.99% / 5.99%
Special rate on purchases 10/1/20-12/31/20 through 12/31/21
1% Rebate on purchases
Calculator
Home Equity Loan****
(Fixed Rate)
Up to 5 Years
Up to 10 Years
Up to 15 Years
4.00% / 4.29%
4.50% / 4.65%
5.00% / 5.10%
Minimum $10,000Calculator
Home Equity LOC***
(Variable Rate)
Up to 15 Years3.25% / 3.25%Minimum $10,000Calculator
Home Equity LOC*****
(Fixed Rate)
Up to 5 Years
Up to 10 Years
Up to 15 Years
3.74% / 4.03%
4.24% / 4.39%
4.74% / 4.84%
Minimum $5,000Calculator
Mortgage10 Years
15 Years
20 Years
30 Years
Current Rates
Term Certificate SecuredTerm of Certificate3.00% above Certificate Rate

Rates effective 10/01/20.     Prime Rate = 3.25% (March 16, 2020)
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. Special rate of 5.99% APR on all purchases 10/1/20-12/31/20 rate good through 12/31/21 (then 9.99% APR).   ***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 Responders Discounts and First Time Car & Motorcycle Buyer Discounts and Graduate Discounts.