Current Rates

white zooming car

Auto Loan Rates

Unlock a Lower Rate


Earn a rate discount up to 1.25%* on your new auto loan! All members qualify for the following discounts on new auto loans:

  • Payroll Direct Deposit Rate Discount - 0.75%
    Any current or new payroll direct deposit qualifies. Set up yours and get paid up to two days earlier.
  • Automatic Payment Rate Discount - 0.50%
    Sign up for automatic payments on your new loan.
  • 5+ Years of Membership Rate Discount - 0.25%
  • Multiple Loan Rate Discount - 0.50%
    Must have an existing, open loan to qualify. Includes credit cards!

The rates below include a 1.25% APR* discount.

Newer (2022 and Newer) Auto Loans

Newer (2022 and Newer) Auto Loans
Term Period Rates as Low as*
36 Month 5.49% APR
48 Month 5.49% APR
60 Month 5.49% APR
72 Month 5.99% APR
84 Month 6.49% APR
96 Month 6.99% APR

Older (2021 and Older) Auto Loans

Older (2021 and Older) Auto Loans
Term Period Rates as Low as*
36 Month 5.74% APR
48 Month 5.74% APR
60 Month 5.99% APR
72 Month 6.24% APR
84 Month 6.74% APR

96 month period loan term is available for loans over $40,000 on model years 2022 or newer.

APR= Annual Percentage Rate. Actual APR will be based on the borrower’s credit history and term of loan. Loan terms may vary based on the amount borrowed and collateral. Loan rates and terms are subject to credit approval and can change without notice. Rates reflected above include a maximum discount of 1.25%. Rates are effective as of February 20, 2025

Newer (2022 and Newer) Motorcycle and ATV Loans

Newer (2022 and Newer) Motorcycle and ATV Loans
Term Period Rates as Low as*
36 Month 7.49% APR
48 Month 8.99% APR
60 Month 9.99% APR
72 Month 10.99% APR

Older (2021 and Older) Motorcycle and ATV Loans

Older (2021 and Older) Motorcycle and ATV Loans
Term Period Rates as Low as*
36 Month 8.49% APR
48 Month 9.99% APR
60 Month 10.99% APR
72 Month 11.99% APR

APR= Annual Percentage Rate. Actual APR will be based on the borrower’s credit history and term of loan. Loan terms may vary based on the amount borrowed and collateral. Loan rates and terms are subject to credit approval and can change without notice. Rates reflected above include a maximum discount of 1.25%. Rates are effective as of February 20, 2025

Newer (2022 and Newer) RV and Trailer Loans

Newer (2022 and Newer) RV and Trailer Loans
Term Period Rates as Low as*
84 Month 6.24% APR
120 Month 6.74% APR
180 Month 7.24% APR

Older (2021 and Older) RV and Trailer Loans

Older (2021 and Older) RV and Trailer Loans
Term Period Rates as Low as*
84 Month 6.74% APR
120 Month 7.24% APR
180 Month 7.74% APR

APR= Annual Percentage Rate. Actual APR will be based on the borrower’s credit history and term of loan. Loan terms may vary based on the amount borrowed and collateral. Loan rates and terms are subject to credit approval and can change without notice. Rates reflected above include a maximum discount of 1.25%. Rates are effective as of February 20, 2025

Newer (2022 and Newer) Boat Loans

Newer (2022 and Newer) Boat Loans
Term Period Rates as Low as*
84 Month 6.24% APR
120 Month 6.74% APR
180 Month 7.24% APR

Older (2021 and Older) Boat Loans

Older (2021 and Older) Boat Loans
Term Period Rates as Low as*
84 Month 6.74% APR
120 Month 7.24% APR
180 Month 7.74% APR

APR= Annual Percentage Rate. Actual APR will be based on the borrower’s credit history and term of loan. Loan terms may vary based on the amount borrowed and collateral. Loan rates and terms are subject to credit approval and can change without notice. Rates reflected above include a maximum discount of 1.25%. Rates are effective as of February 20, 2025

Credit Cards, Personal Loans and Personal Line of Credit

Credit Cards, Personal Loans and Personal Line of Credit
Term Period Rates as Low as*
Classic 16.50% APR
Platinum 13.75% APR
Business 13.75% APR
Student Silver 13.75% APR
Personal Loan 14.25% APR
Line of Credit 14.00% APR

APR= Annual Percentage Rate. Actual APR will be based on the borrower’s credit history and term of loan. Loan terms may vary based on the amount borrowed and collateral. Loan rates and terms are subject to credit approval and can change without notice. Rates reflected above include a maximum discount of 1.25%. Rates are effective as of February 20, 2025

Savings and Money Maker

Savings and Money Maker
Account Type Dividend APY Minimum Balance
Ownership 5.13% 5.25% None
Savings 0.05% 0.05% $100
Money Maker 0.50% 0.50% $2,000
Money Maker 10k 0.60% 0.60% $10,000
Money Maker 25k 0.75% 0.75% $25,000
Money Maker 50k 0.90% 0.90% $50,000
Money Maker 100k 1.00% 1.00% $100,000
Money Maker 150k 1.00% 1.00% $150,000
Rogue Rangers 1.25% 1.26% None
Rogue Rangers 10K+ 0.50% 0.50% $10,000
Rogue Climbers 1.25% 1.26% None
Rogue Climbers 10K+ 0.50% 0.50% $10,000
Nonprofit Business Money Maker 0.60% 0.60% $0.00

APY = Annual Percentage Yield. Minimum deposit $500 to open and maintain APY. The APY is based on an assumption that dividends will remain on deposit until maturity. Penalty will be imposed for early withdrawal. Fees could reduce earnings. Earn as high as  3.90% APY with at least $100,000 deposited.

Certificates $500 or More

Certificates $500 or More
Term Period Dividend APY
6 Month 3.83% 3.90%
12 Month 3.83% 3.90%
24 Month 3.83% 3.90%
30 Month Bump Rate 3.45% 3.50%
36 Month 3.83% 3.90%
48 Month 3.83% 3.90%
60 Month 3.83% 3.90%
72 Month 3.83% 3.90%

Certificate Add On - Small Savers

Certificate Add On - Small Savers
Term Period Dividend APY Minimum Balance
12 Month 3.83% 3.90% $100

APY = Annual Percentage Yield. Minimum deposit $500 to open and maintain APY. The APY is based on an assumption that dividends will remain on deposit until maturity. Penalty will be imposed for early withdrawal. Fees could reduce earnings. Earn as high as  3.90% APY with at least $100,000 deposited.