Loans

Loan Type*TermsRate/APRAdditional InformationCalculator
Vehicle
(New, Used, Refinanced or Lease Buyout)
Up to 24 Months2.49% / 2.49%Cars & Trucks

Military/First Responder; First Time Buyer & Graduate Discounts
Calculator
25-36 Months2.99% / 2.99%
37-54 Months3.49% / 3.49%
55-66 Months3.99% / 3.99%
67-78 Months4.49% / 4.49%
79-84 Months4.99% / 4.99%
Motorcycle
(New, Used or Refinanced)
Up to 24 Months
3.24% / 3.24%Motorcycles

Military/First Responder; First Time Buyer & Graduate Discounts
Calculator
25-36 Months3.74% / 3.74%
37-54 Months4.24% / 4.24%
55-66 Months4.74% / 4.74%
67-78 Months5.24% / 5.24%
Recreational
(New, Used or Refinanced)
Up to 24 Months4.24% / 4.24%ATVs, Wintercraft, Watercraft, RVs, Trailers & Tractors

Military/First Responder; First Time Buyer & Graduate Discounts
Calculator
25-36 Months4.74% / 4.74%
37-54 Months
5.24% / 5.24%
55-66 Months5.74% / 5.74%
67-78 Months6.24% / 6.24%
79-180 Months6.74% / 6.74%
Holiday Loan12 Months5.99% / 5.99%Available 10/1/22 - 12/31/22Calculator
Personal12-36 Months7.99% / 7.99%Military/First Responder & Graduate DiscountsCalculator
37-48 Months8.99% / 8.99%
Overdraft LOCOpen End12.00%/12.00%Calculator
Holiday VISA Credit CardOpen End
5.99% / 5.99%
5.99% on purchases 10/1/22-12/31/22 with payback rate at 5.99% until 12/31/23
1% Rebate on purchases.
Calculator
VISA Credit Card**Open End
9.99% / 9.99%
1% Rebate on purchases.Calculator
Home Equity Loan****
(Fixed Rate)
Up to 5 Years5.50% / 5.77%Minimum $10,000Calculator
Up to 10 Years6.00% / 6.15%
Up to 15 Years6.50% / 6.60%
Home Equity LOC***
(Variable Rate)
Up to 15 Years6.25% / 6.25%Minimum $10,000Calculator
Home Equity LOC*****
(Fixed Rate)
Up to 5 Years5.75% / 6.05%Minimum $5,000Calculator
Up to 10 Years6.25% / 6.41%
Up to 15 Years6.75% / 6.86%
MortgageRates change dailyRates & Terms - Calculate your Finance or Refinance
Term Certificate SecuredTerm of Certificate3.00% above Certificate RateAmount Secured

Rates effective 11/01/22      Prime Rate = 6.25% (September 2022)
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 Responders Discounts and First Time Car & Motorcycle Buyer Discounts and Graduate Discounts.