Personal Loan 
TierCredit ScoreUp to 24 months25- 36 months37 - 48 months49 - 60 months A+750+6.99%6.99%7.74%8.24% A725 -7498.49%8.99%9.24%9.49% B+700 - 72410.49%10.99%11.24%11.49% B 675 -69911.49%11.99%12.24%12.49% C625 - 67414.49%14.99%15.24%15.49% D600 - 62417.49%17.99%17.99%17.99% E599 & Below17.99%17.99%17.99%17.99%
Co-Op Credit Card Rates*
TierCredit ScoreVISA Classic 
APRVISA 
Signature APRVISA 
Business APR
A 750+ 11.25% 12.25% 9.75%
B 680-749 13.25% 14.25% 11.75%
C 640-679 16.25% 17.25% 14.75%
D 639 & Below 17.99% 17.99% 17.99%
*All rates are variable
LOC Certificate Secured
TypeRateTerm Line of Credit15.00%
Certificate Maturity
*Minimum loan amount $500 
Share Secured**
Term 1 year 2 year 3 year 4 year 5 year
Margins Base * + 3.5%Base * + 3.5%Base * + 4.5%Base * + 5.5%Base * + 6.5% *Base = highest current tiered share account rate
*Combined base plus margin rate is rounded up to the nearest 1/4%
Rates effective as of 8-1-22 and are subject to change
For Internal Use OnlyRate
Certificate Rate + 3.5%*Cash Advance rates are 3% above listed rate not to exceed 17.99%
*Note: The VISA Signature Program has a minimum credit limit of $5,000.00
 Auto Loan Rates and Terms
Vehicle YearLoanTermA+ tier760+A tier730-759B+ tier
690 - 
729B tier
665 - 
689C tier
625 - 
664D tier
624 & 
Below
up to 655.195.395.846.349.5417.99
66-72 5.39 5.54 6.09 7.04 10.54 17.99
73-84* 5.94 6.19 6.84 7.94 11.04 17.99
up to 65 5.24 5.49 5.84 6.39 10.74 17.99
66-72 5.39 5.74 6.24 7.14 11.54 17.99
73-84* 6.19 6.49 6.99 8.39 12.04 17.99
up to 60 5.74 5.99 6.24 6.99 11.49 17.99
61-66 5.84 6.04 6.59 7.09 11.79 17.99
67-72 5.94 6.14 6.84 7.29 12.29 17.99
up to 60 5.84 6.19 6.74 7.29 11.79 17.99
61 - 66 5.99 6.29 6.99 7.64 12.29 17.99
67 - 72 6.24 6.44 7.59 8.29 12.79 17.99
Up to 36 7.69 8.09 8.59 8.89 15.19 17.99
37-48 7.74 8.39 9.04 9.44 16.29 17.99
49-60 9.39 9.64 10.49 10.29 16.79 17.99
*79 - 84 months financing available on loans exceeding $30,000 only
Rates effective as of 8-1-22 and are subject to change
For Internal Use Only2014 and Older2022-2021
2020-2019
2018-2017
2016-2015
 Motorsports Rates and Terms
Vehicle YearLoanTermA+ tier760+A tier730-759B+ tier690 - 729B tier665 - 689C tier625 - 664D tier624 & Below
up to 656.196.396.847.3410.5417.99
66-72 6.39 6.54 7.09 8.04 11.54 17.99
73-84* 6.94 7.19 7.84 8.94 12.04 17.99
up to 65 6.24 6.49 6.84 7.39 11.74 17.99
66-72 6.39 6.74 7.24 8.14 12.54 17.99
73-84* 7.19 7.49 7.99 9.39 13.04 17.99
up to 60 6.74 6.99 7.24 7.99 12.49 17.99
61-66 6.84 7.04 7.59 8.09 12.79 17.99
67-72 6.94 7.14 7.84 8.29 13.29 17.99
up to 60 6.84 7.19 7.74 8.29 12.79 17.99
61 - 66 6.99 7.29 7.99 8.64 13.29 17.99
67 - 72 7.24 7.44 8.59 9.29 13.79 17.99
Up to 36 8.69 9.09 9.59 9.89 16.19 17.99
37-48 8.74 9.39 10.04 10.44 17.99 17.99
49-60 10.39 10.64 11.49 11.29 17.99 17.99
Motorsports= Boats and Motorcycles *79 - 84 months financing available on loans exceeding $30,000 only
Rates effective as of 8-1-22 and are subject to change
For Internal Use Only2014 and Older2022-2021
2020-2019
2018-2017
2016-2015
 Recreational Vehicle (RV) Rates
Vehicle YearLoanTermA+ tier760+A tier730-759B+ tier
690 - 
729B tier
665 - 
689C tier
625 - 
664D tier
624 & 
Below
up to 656.696.897.347.8411.0417.99
66-72 6.89 7.04 7.59 8.54 12.04 17.99
73-96* 7.44 7.69 8.34 9.44 12.54 17.99
up to 65 6.74 6.99 7.34 7.89 12.24 17.99
66-72 6.89 7.24 7.74 8.64 13.04 17.99
73-96* 7.69 7.99 8.49 9.89 13.54 17.99
up to 60 7.24 7.49 7.74 8.49 12.99 17.99
61-66 7.34 7.54 8.09 8.59 13.29 17.99
67-72 7.44 7.64 8.34 8.79 13.79 17.99
up to 60 7.34 7.69 8.24 8.79 13.29 17.99
61 - 66 7.49 7.79 8.49 9.14 13.79 17.99
67 - 72 7.74 7.94 9.09 9.79 14.29 17.99
Up to 36 9.19 9.59 10.09 10.39 16.69 17.99
37-48 9.24 9.89 10.54 10.94 17.99 17.99
49-60 10.89 11.14 11.99 11.79 17.99 17.99
*79 - 96 months financing available on loans exceeding $30,000 only
Rates effective as of 8-1-22 and are subject to change
For Internal Use Only2014 and Older2022-2021
2020-2019
2018-2017
2016-2015