Loans

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

Ask about our 'Break-Up' Refinance Promotion
12-36 Months
37-54 Months
55-66 Months
67-78 Months
79-84 Months
3.24% / 3.24%
3.74% / 3.74%
4.24% / 4.24%
4.74% / 4.74%
6.24% / 6.24%
Cars & TrucksCalculator
Recreational
(New, Used or Refinanced)


Ask about our 'Break-Up' Refinance Promotion
12-36 Months
37-54 Months
55-66 Months
67-78 Months
79-180 Months
5.24% / 5.24%
5.74% / 5.74%
6.24% / 6.24%
6.74% / 6.74%
8.74% / 8.74%
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
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
5.49% / 6.04%
5.99% / 6.28%
6.49% / 6.70%
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 2/1/19 – 2/28/19.     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.      Western Division accepts applications from within our Field of Membership.    

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