All Rates
Vehicles
| Loan Type | APR* as low as | Term |
|---|---|---|
| New Vehicle (2023- 2024) | ||
| 5.18% | up to 48 mo. | |
| 5.49% | up to 60 mo. | |
| 5.79% | up to 72 mo. | |
| 6.99% | up to 84 mo. | |
| Used Vehicle (2019 - 2024) | ||
| 5.79% | up to 48 mo. | |
| 5.79% | up to 60 mo. | |
| 5.79% | up to 72 mo. | |
| 6.99% | up to 84 mo. | |
| Used Vehicle (2014 - 2018) | ||
| 6.75% | up to 48 mo. | |
| 8.50% | up to 60 mo. if loan amount is over $10,000 | |
| Used Vehicle (2009 - 2013) | ||
| 10.99% | up to 48 mo. | |
| Used Vehicle (2008 & older) max mileage 150,000 | ||
| 9.50% | up to 36 mo. | |
| 10.50% | up to 48 mo. | |
| DRIVE4LESS (New 2023 - 2024) | ||
| 6.18% | up to 48 months | |
| 6.49% | up to 60 months | |
| 6.79% | up to 72 months | |
| DRIVE4LESS (Used 2018 - 2022) | ||
| 6.79% | up to 48 months | |
| 6.79% | up to 60 months | |
| 6.79% | up to 72 months | |
| New ATV/Snowmobile/Motorcycle (2024 listed as new or within 6 mo. of new) | ||
| 5.25% | up to 36 mo. | |
| 6.25% | up to 48 mo. | |
| 7.25% | up to 60 mo. | |
| 8.25% | up to 72 mo. | |
| Used ATV/Snowmobile/Motorcycle (2014 - 2024) | ||
| 5.50% | up to 36 mo. | |
| 6.50% | up to 48 mo. | |
| 7.50% | up to 60 mo. | |
| 8.50% | up to 72 mo. | |
| Older Motorcycle (2013 & older) | ||
| 8.50% | up to 36 mo. | |
| 9.50% | up to 48 mo. | |
| New Camper/Boat (2024 listed as new or within 6 mo. of new) | ||
| 6.49% | up to 60 mo. | |
| 7.49% | up to 72 mo. | |
| 8.49% | up to 84 mo. | |
| 9.19% | up to 120 mo. | |
| Used Camper/Boat (2014 - 2023) | ||
| 7.49% | up to 60 mo. | |
| 8.49% | up to 72 mo. | |
| 9.49% | up to 84 mo. | |
| Older Camper/Boat (2010 - 2013) | ||
| 10.99% | up to 48 mo. | |
| Older Camper/Boat (2004 - 2009) | ||
| 11.75% | up to 42 mo. | |
| (*)APR=Annual Percentage Rate - Rates and Terms are subject to change without notification. Rates are effective as of October 1, 2024. | ||
Personal & Shared Secured
| Loan Type | APR* as low as | Term |
|---|---|---|
| Signature Loan | 13.49% | 0 to 60 mo. |
| Co-Maker Loan | 11.49% | 0 to 60 mo. |
| 50% Secured by Shares | 11.10% | 0 to 60 mo. |
| 100% Secured by Shares | 2.00% over current savings or share certificate rate | 0 to 60 mo. |
| (*)APR=Annual Percentage Rate - Rates and Terms are subject to change without notification. | ||
Click Here to apply online for a Credit Union loan, or Click Here to contact us for more details.
Visa Cards
| Loan Type | APR* as low as | Term |
|---|---|---|
| VISA Credit Card | 12.90% | |
| (*)APR=Annual Percentage Rate - Rates and Terms are subject to change without notification. | ||
Click Here to contact us for more details.
Mortgage & Home Equity
| Loan Type | APR*as low as | Term |
|---|---|---|
| Home Equity Rates are for 1st Lien only. Please contact CU for 2nd Lien rates. | 5.25% | 5 Year |
| 6.25% | 10 Year | |
| 6.99% | 15 Year | |
| Mortgage Loans | Varies | 15, 20 & 30 year |
| NMLS ID# 422133 (*)APR=Annual Percentage Rate - Rates and Terms are subject to change without notification. | ||
To apply for a Home Equity loan, you can visit one of our six locations, or call us for an application.
To apply for a Mortgage, you can visit OwnersChoice Funding.
Share, Clubs, Certificates, IRA’s
| Type | APR* | APY* | Minimum Balance |
|---|---|---|---|
| Share(Savings) | 0.30% | 0.30% | $5.00 |
| Share Drafts | 0.0% | 0.0% | N\A |
| Vacation/Christmas Club Shares | 0.05% | 0.05% | None |
| *6 month certificate | 3.50% | 3.50% | $500 |
| *12 month certificate | 3.75% | 3.75% | $500 |
| *24 month certificate | 4.00% | 4.00% | $500 |
| IRA's (Individual Retirement Accounts) | 1.00% | 1.00% | None |
| *12 month IRA certificate | 4.50% | 4.50% | $500 |
| *24 month IRA certificate | 4.50% | 4.50% | $500 |
| APR* = Annual Percentage Rate APY*=Annual Percentage Yield. | |||
Rates are subject to change without notice.
Dividends are paid from current income and available earnings after required transfers to reserves at the end of the dividend period.
Penalty imposed for early withdrawal on Share Certificates.
Fees could reduce the earnings on savings accounts.
NMLS ID# 422133 Rates effective October 1st, 2024. Rates and Terms are subject to change without notification. Fees could reduce the earnings on savings accounts. (*)as low as (**)APY/APR = Annual Percentage Yield/Annual Percentage Rate