| Loan Type* | Terms | Rate/APR | Additional Information | Calculator |
|---|---|---|---|---|
| Vehicle (New, Used, Refinanced or Lease Buyout) | Up to 24 Months | 2.49% / 2.49% | Cars & Trucks Military/First Responder; First Time Buyer & Graduate Discounts | Calculator |
| 25-36 Months | 2.99% / 2.99% | |||
| 37-54 Months | 3.49% / 3.49% | |||
| 55-66 Months | 3.99% / 3.99% | |||
| 67-78 Months | 4.49% / 4.49% | |||
| 79-84 Months | 4.99% / 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 Months | 3.74% / 3.74% | |||
| 37-54 Months | 4.24% / 4.24% | |||
| 55-66 Months | 4.74% / 4.74% | |||
| 67-78 Months | 5.24% / 5.24% | |||
| Recreational (New, Used or Refinanced) | Up to 24 Months | 4.24% / 4.24% | ATVs, Wintercraft, Watercraft, RVs, Trailers & Tractors Military/First Responder; First Time Buyer & Graduate Discounts | Calculator |
| 25-36 Months | 4.74% / 4.74% | |||
| 37-54 Months | 5.24% / 5.24% | |||
| 55-66 Months | 5.74% / 5.74% | |||
| 67-78 Months | 6.24% / 6.24% | |||
| 79-180 Months | 6.74% / 6.74% | |||
| Holiday Loan | 12 Months | 5.99% / 5.99% | Available 10/1/22 - 12/31/22 | Calculator |
| Personal | 12-36 Months | 7.99% / 7.99% | Military/First Responder & Graduate Discounts | Calculator |
| 37-48 Months | 8.99% / 8.99% | |||
| Overdraft LOC | Open End | 12.00%/12.00% | Calculator | |
| Holiday VISA Credit Card | Open 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 Years | 5.50% / 5.77% | Minimum $10,000 | Calculator |
| Up to 10 Years | 6.00% / 6.15% | |||
| Up to 15 Years | 6.50% / 6.60% | |||
| Home Equity LOC*** (Variable Rate) | Up to 15 Years | 6.25% / 6.25% | Minimum $10,000 | Calculator |
| Home Equity LOC***** (Fixed Rate) | Up to 5 Years | 5.75% / 6.05% | Minimum $5,000 | Calculator |
| Up to 10 Years | 6.25% / 6.41% | |||
| Up to 15 Years | 6.75% / 6.86% | |||
| Mortgage | Rates change daily | Rates & Terms - Calculate your Finance or Refinance | ||
| Term Certificate Secured | Term of Certificate | 3.00% above Certificate Rate | Amount 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.