| Loan Type* | Terms | Rate/APR | Additional Information | Calculator |
|---|---|---|---|---|
| Vehicle (New, Used, Refinanced or Lease Buy-Out) | 12-36 Months 37-54 Months 55-66 Months 67-78 Months 79-84 Months | 2.99% / 2.99% 3.49% / 3.49% 3.99% / 3.99% 4.49% / 4.49% 5.99% / 5.99% | Cars & Trucks Military/First Responder; First Time Car Buyer & Graduate Discounts | Calculator |
| 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 & Tractors Military/First Responder, First Time Motorcycle Buyer and Graduate Discounts | Calculator |
| Personal | 12-36 Months 37-48 Months | 6.99% / 6.99% 7.99% / 7.99% | Military/First Responder and Graduate Discounts | Calculator |
| Overdraft Line of Credit | Open End | 12.00%/12.00% | Calculator | |
| Credit Card** | Open End Balance Transfer Special | 9.99% / 9.99% 5.99% / 5.99% | 1% Rebate on purchases Transfers 1/1/20 - 3/31/20 | Calculator |
| Home Equity Loan**** (Fixed Rate) | Up to 5 Years Up to 10 Years Up to 15 Years | 4.50% / 4.83% 5.00% / 5.17% 5.50% / 5.62% | Minimum $10,000 | Calculator |
| Home Equity LOC*** (Variable Rate) | Up to 15 Years | 4.75% / 4.75% | Minimum $10,000 | Calculator |
| Home Equity LOC***** (Fixed Rate) | Up to 5 Years Up to 10 Years Up to 15 Years | 4.24% / 4.59% 4.74% / 4.92% 5.24% / 5.37% | Minimum $5,000 | Calculator |
| Mortgage | 15 Years 30 Years FHA 30 Years | Click for Rate | ||
| Term Certificate Secured | Term of Certificate | 3.00% above Certificate Rate | ||
Rates effective 1/01/20. Prime Rate = 4.75% (October 2019)
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. Balance Transfer Special – transfer through 3/31/20. Rate remains at 5.99% APR until balance is paid in full. ***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 & Graduate Discounts.