Loan Rates

Check Out Our Competitive Rates

The rates appearing here are accurate as of the effective date: July 15, 2024. 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 5.25%
60 Months 5.50%
72 Months 6.00%
84 Months 6.84%

Used Auto Loans

Used vehicles must be within 8 model years old, including the current year, with 100,000 miles or less.

Term APR as low as*
12-48 Months 5.85%
60 Months 6.25%
72 Months 6.75%

Extended Age and Mileage Used Auto Loans

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

Term APR as low as*
12-48 Months 9.20%
60 Months 9.70%

Used vehicles must not exceed 150,000 miles and meet at least one of the following: 9-12 model years old (including current model year) or mileage over 100,000 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 8.00%
48 months 8.25%
60 months 8.50%
72 months 9.25%
84 months 10.00%
96 Months 10.75%
120 months 11.50%

Visa Platinum Cash Back Credit Card

Credit Card Term APR as low as*
Rewards Option with 2% Cash Back** Terms may vary 15.70%
Low Rate Card Terms may vary 14.70%

Other Loans

Loan Term APR as low as*
Line of Credit Terms may vary 10.85%
Santa Helper Terms may vary 10.85%
Personal Loan Terms may vary 8.99%
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 6.50% 6.71% 5% None
15-Year Fixed 6.75% 6.98% 5% None
30-Year Fixed 7.25% 7.52% 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 5.60% 5.76% 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 7.85% 8.17% 3% None

Home Equity

Term APR as low as*
Terms may vary 8.50%

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 7.13% 7.38% 20% None
15-Year Fixed 7.38% 7.65% 20% None
30-Year Fixed 7.88% 8.19% 20% None

See our list of fees for specific products and services.

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