Rates
Swap Your Loan
Transfer your auto or personal loan to Member One and you could save up to 2%* on your interest rate. Plus, you won’t have to make a payment for 90 days.
| Term | APR as low as** | |
|---|---|---|
| Up to 84 months | 3.99% |
*APR means Annual Percentage Rate. Approximate loan payment at 3.99% is $409.92 on a $30,000 loan with an 84-month term. This is a deferred payment option. Interest charges still apply. Interest will begin to accrue at loan disbursement. Deferred payment options may not apply to all loan products. Discounts/savings based on your current rate at another institution. Any available discounts “up to 2%” may be applied to your current APR. Discounts may vary based on loan type and creditworthiness. Discounts are not applicable for home equity, mortgage, credit card loans, or existing Member One loans. Floor rate is 3.99%. Please call 800-666-8811 for a full list of restrictions that may apply. Not all applicants will qualify for the lowest rate. Programs, rates, terms, and conditions are subject to change without notice.
**Loan must have 90 days of payment history on credit report. Terms will vary based on year of the vehicle.
Effective September 21, 2022.
Auto Loans
For auto loans on cars and trucks.
| Term | APR as low as* | |
|---|---|---|
| Up to 66 months | 5.65% |
*APR means Annual Percentage Rate. Approximate loan payment and loan amount is $529.26 on a $30,000 new auto loan with a 66-month term at 5.65%. Rates and terms available for vehicles with up to 175,000 miles. Rates and terms may vary based on credit worthiness and age of vehicle. Not all applicants will qualify for the lowest rate. Effective March 1, 2023.
Recreational Vehicle Loans
For motorcycles, RVs, dirt bikes, ATVs, boats, and jet skis.
| Term | APR as low as* | |
|---|---|---|
| Up to 72 months | 7.50% |
*APR means Annual Percentage Rate. Approximate loan payment and loan amount is $259.42 on a $15,000 loan with a 72-month term at 7.50%. Rates and term may vary based on credit worthiness and age of vehicle. Not all applicants will qualify for the lowest rate. Effective March 1, 2023.
Home Equity Line of Credit / Mortgages
Please call 800-666-8811 for our current rates.
Home Equity Loans
If you are looking for a Home Equity Line of Credit please call 800-666-8811 for rates!
| Term | Annual Percentage Rate (APR)* |
|---|---|
| 5 years | as low as 4.99% |
| 10 years | as low as 5.25% |
| 15 years | as low as 6.00% |
| 20 years | as low as 6.99% |
*APR means Annual Percentage Rate. All credit union loan programs, rates, terms, and conditions are subject to change at any time without notice. Approval subject to loan and property value, creditworthiness, and underwriting. At current APR and based on $100,000 borrowed, estimated monthly payment is $1,886.36 for 5 years, $1,072.75 for 10 years, $843.70 for 15 years, and $774.53 for 20 years. If the loan is on a first lien, the payment example does not include amounts for taxes and insurance premiums, if applicable, and the actual payment obligation will be greater. Origination and other fees, and loan amount may affect the APR. Not all applicants will qualify for the lowest rate. Rates Effective March 1, 2023.
Personal Loans
| Type | Term | Annual Percentage Rate (APR)* |
|---|---|---|
| Personal Loan | Up to 60 months | 9.24% – 17.99% |
| MoneyLine Line of Credit | N/A | 10.24% – 17.99% |
*APR means Annual Percentage Rate. Approximate loan payment and loan amount is $255.87 on a $10,000 loan with a 60-month term and a 17.99% APR. The rate and term may vary depending on each individual’s credit history and underwriting factors. Not all applicants will qualify for the lowest rate. Other restrictions may apply.