Check Out Our Competitive Rates

The rates appearing here are accurate as of the effective date: December 6, 2022. If you have any questions or wish to request specifics on rates, terms and additional information, please call the Credit Union at 1-704-391-5600 or 1-800-622-5305. Rates are subject to change without notice. The Annual Percentage Rate you receive may vary, based on certain individual creditworthiness criteria. If you have a loan with us, you will receive specific agreements and disclosures at the time of application and/or closing of the loan that are applicable to your specific loan.

New Auto Loans

Term APR as low as *
12-48 Months 6.00%
60 Months 6.40%
72 Months 6.90%
84 Months 7.74%

Used Auto Loans

Term APR as low as*
36 Months 6.50%
48 Months 6.50%
60 Months 6.90%
72 Months 7.40%

Extended Age and Mileage Used Auto Loans

Used vehicles that meet at least one of the following: 9 to 12 model years old and/or over 100,000 miles not to exceed 150,000 miles.

Term APR as low as*
36 Months 8.50%
48 Months 8.50%
60 Months 9.00%

Used vehicles that meet at least one of the following: 9-12 model years old (including current model year), or over 100,000 miles, not to exceed 150,000 miles. All approved loans for 11 and 12 year old vehicles will incur an additional 0.50% APR increase in the interest rate.

Motorcycle, Boat, Motor Home, Travel Trailer, ATV, Jet Ski

MAX LOAN TERMS - Motor Home/Travel Trailer - up to 120 months | Boats - up to 96 months | Jet Ski/Wave Runner - up to 84 months | Motorcycle - up to 84 months

Term APR as low as*
36 months 6.90%
48 months 7.15%
60 months 7.40%
72 months 7.65%
84 months 7.90%
96 Months 8.15%
120 months 8.40%

Visa Platinum Cash Back Credit Card

New and existing cardholders can apply for 0.00% APR for 9 months on balance transfers. After the introductory period, any remaining balances will revert to the rates shown below for each corresponding card type. Full offer details are available in the General Credit Card Disclosures on our disclosures page.

Credit Card Term APR as low as*
Rewards Option with 2% Cash Back** Terms may vary 13.45%
Low Rate Card Terms may vary 12.45%

Other Loans

Loan Term APR as low as*
Line of Credit Terms may vary 11.75%
Santa Helper Terms may vary 11.75%
Personal Loan Terms may vary 11.50%
Lend A Hand Loan Terms may vary 18.00%

Share Secured

Term APR as low as*
Up to 24 months 3.50%
25 to 48 months 4.00%
49 to 72 months 4.50%
73 to 84 months 5.00%

Fixed Rate-First Mortgages*

Term Interest Rate as low as* APR as low as* Downpayment as low as* PMI
10-Year Fixed 6.88% 7.11% 5% None
15-Year Fixed 7.13% 7.38% 5% None
30-Year Fixed 7.63% 7.92% 5% None

30-Year, 5/1 Adjustable Rate Mortgage*

Term Interest Rate as low as* APR as low as* Downpayment as low as* PMI
5/1 Adjustable Rate Mortgage available in a 30-year term 5.53% 5.69% 5% None

First-Time Homebuyer Program: 30-Year, 5/1 Adjustable Rate Mortgage*

Term Interest Rate as low as* APR as low as* Downpayment as low as* PMI
5/1 Adjustable Rate Mortgage available in a 30-year term, for First Time Home Buyers 7.78% 8.09% 3% None

Home Equity

Term APR as low as*
Terms may vary 6.25%

Fixed Rate-Investment/Vacation Property*

Up to 80% of Purchase Price or Appraised Value, Whichever is Less

Term Interest Rate as low as* APR as low as* Downpayment as low as* PMI
10-Year Fixed 7.50% 7.79% 20% None
15-Year Fixed 7.75% 8.06% 20% None
30-Year Fixed 8.25% 8.60% 20% None

See our list of fees for specific products and services.

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