Loans

Loan Type*TermsRate/APRAdditional InformationCalculator
Vehicle
(New, Used, Refinanced or Lease Buyout)
Up to 24 Months3.99% / 3.99%Cars & Trucks

Military; First Responder; Graduate & First-time Discounts
Calculator
25-36 Months5.99% / 5.99%
37-54 Months6.24% / 6.24%
55-66 Months6.49% / 6.49%
67-78 Months6.74% / 6.74%
79-84 Months6.99% / 6.99%
Motorcycle
(New, Used or Refinanced)
Up to 24 Months
4.24% / 4.24%Motorcycles

Military; First Responder; Graduate & First-time Discounts
Calculator
25-36 Months6.24% / 6.24%
37-54 Months6.49% / 6.49%
55-66 Months6.74% / 6.74%
67-78 Months6.99% / 6.99%
Recreational
(New, Used or Refinanced)
Up to 24 Months4.24% / 4.24%ATVs, Wintercraft, Watercraft, RVs, Trailers & Tractors

Military; First Responder; Graduate & First-time Discounts
Calculator
25-36 Months6.49% / 6.49%
37-54 Months
6.74% / 6.74%
55-66 Months6.99% / 6.99%
67-78 Months7.24% / 7.24%
79-180 Months7.49% / 7.49%
Fast Cash**Up to 18 Months 6.99% / 6.99%
Amounts $500 - $5,000
Available 5/1/24-8/30/24
Calculator
Personal12-36 Months9.99% / 9.99%Military; First Responder; Graduate & First-time DiscountsCalculator
37-48 Months10.99% / 10.99%
Overdraft LOCOpen End12.00%/12.00%Calculator
VISA Credit Card**Open End
9.99% / 9.99%
1% Rebate on purchases.Calculator
Home Equity Loan****
(Fixed Rate)
Up to 5 Years6.49% / 6.77%Minimum $10,000Calculator
Up to 10 Years6.74% / 6.89%
Up to 15 Years6.99% / 7.10%
Home Equity LOC***
(Variable Rate)
Up to 15 Years8.50% / 8.50%Minimum $10,000Calculator
Home Equity LOC*****
(Fixed Rate)
Up to 5 Years6.99% / 7.29%Minimum $5,000Calculator
Up to 10 Years7.24% / 7.40%
Up to 15 Years7.49% / 7.61%
MortgageRates change dailyRates & Terms - Calculate your Finance or Refinance
Term Certificate SecuredTerm of Certificate3.00% above Certificate RateAmount Secured

Rates effective 6/01/24      Prime Rate = 8.50% (August 2023)
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.  ** Finance amounts $500 – $5,000.  Terms up to 18 months for amounts greater than $2,500. No internal refinances and/or discounts. Western Division accepts applications from within our Field of Membership.    

Western Division offers Military, First Responder; Graduate and First Time Discounts