Lending Rates

Effective as of 05/01/2026

Model Years 2023-2026 ^{_{Up to 100% financing available}}	Annual Percentage Rate as low as
Up to 60 Months	4.49%**	Apply Online
61 – 72 Months (Loan must be $18,001 or more)	4.74%**	Apply Online
73-84 Months (Loan must be $30,001 or more & mileage under 25,000 miles)	4.99%**	Apply Online

Model Years 2020-2022 ^{_{Up to 100% financing available}}	Annual Percentage Rate as low as
Up to 48 Months	4.99%**	Apply Online
49 – 60 Months	5.24%**	Apply Online
61 – 72 Months	5.49%**	Apply Online

Model Years 2017-2019 ^{_{Up to 100% financing available}}	Annual Percentage Rate as low as
Up to 36 Months	5.79%**	Apply Online
37-48 Months	6.04%**	Apply Online
49-60 Months	6.29%**	Apply Online

Model Years 2016 and older ^{_{Up to 100% financing available}}	Annual Percentage Rate as low as
Up to 36 months	7.79%**	Apply Online
37-48 months	8.04%**	Apply Online

Model Years 2024-2026 _{^{Up to 100% financing available}}	Annual Percentage Rate as low as
Up to 60 months	4.99%**	Apply Online
61-84 months	5.49%**	Apply Online
85-120 months	5.99%**	Apply Online
121-180 months	6.49%**	Apply Online

Model Years 2020-2023 _{^{Up to 100% financing available}}	Annual Percentage Rate as low as
Up to 60 months	5.49%**	Apply Online
61-84 months	5.99%**	Apply Online
85-120 months	6.49%**	Apply Online

Model Years 2019 and older _{^{Up to 100% financing available}}	Annual Percentage Rate as low as
Up to 60 months	6.99%**	Apply Online
61-84 months	7.49%**	Apply Online

First Mortgages and Home Equity Lines of Credit
Please call 800-245-6199 for rates and terms or Apply Online for a Home Equity Line of Credit

10 or 15 & Done Mortgage Loans	Annual Percentage Rate as low as
Up to 120 months	4.99%***	Apply Online
121-180 months	5.14%***	Apply Online

Home Equity Loans – 2nd lien position	Annual Percentage Rate as low as
Up to 60 months	6.24%	Apply Online
Please call us for terms greater than 60 months.

Personal/Signature Loan	Annual Percentage Rate as low as
Up to 36 months	11.74%	Apply Online
37-60 months	12.74%	Apply Online

Personal Line of Credit	Annual Percentage Rate as low as
	10.75% VAPR***	Apply Online

CD and Share Savings Secured Loans	Annual Percentage Rate as low as
CD Secured (up to 60 months)	2.25% APR* above rate of CD ^{(rounded to nearest .25%)}	Apply Online
Share Secured 6-24 month	2.00% APR* above rate of Share Account ^{(rounded to nearest .25%)}	Apply Online
Share Secured 25-48 month	2.50% APR* above rate of Share Account ^{(rounded to nearest .25%)}	Apply Online
Share Secured 49-60 month	3.00% APR* above rate of Share Account ^{(rounded to nearest .25%)}	Apply Online

Visa Platinum Cashback	Annual Percentage Rate as low as
Limited time: 12 month intro. rate on new credit cards, then VAPR***	2.99% APR*	Apply Online
After introductory rate ends	11.15% VAPR***	Apply Online

IMPORTANAT CREDIT CARD DISCLOSURES. The following disclosure represents important details concerning Your Credit Card. The information about costs of the Card are accurate as of the effective date of April 1, 2026. You can call us at (800) 245-6199 or write to Us at P.O Box 807, Ames, IA , 50010 to inquire if any changes have occurred since the effective date.

Interest Rates and Interest Charges
Annual Percentage Rate (APR) For Purchases	VISA: 11.15% – 21.00% based on Your creditworthiness at the time of You establish Your account. This APR may vary with the market based on the Prime Rate.
APR For Balance Transfers	VISA: 11.15% – 21.00% based on Your creditworthiness at the time You established Your account. This APR may vary with the market based on the Prime Rate.
APR For Cash Advances	VISA: 11.15% – 21.00% based on Your creditworthiness at the time You established Your account. This APR may vary with the market based on the Prime Rate.
How to Avoid Paying Interest on Purchases	We will not charge You interest on purchases if You pay Your entire balance owed each month within 25 days of Your statement closing date.
For Credit Card Tips From the Consumer Financial Protection Bureau	To learn more about factors to consider when applying for or using a Credit Card, visit the website of the Consumer Financial Protection Bureau (http://www.consumerfinance.gov/learnmore).

Fees
Foreign Transactions Fees	1.00% of each foreign currency transactions in U.S. Dollars. 1.00% of each U.S. Dollars transactions that occurs in a foreign country.
Penalty Fees Late Payment	Up to $25.00

How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).”

*APR=Annual Percentage Rate

**Rate Determined By Credit Score. All loans subject to approval. Rates, terms and conditions subject to change, and vary based on creditworthiness, qualifications and collateral condition.

***VAPR=Variable Annual Percentage Rate. Rate is calculated by The Wall Street Journal Prime Rate plus 4.40% to 15.40% margin (margin depends on credit worthiness).

***Based on $100,000 loan, 1% origination fee, $580 closing costs, in first lien position, credit score of 750+. Rates, terms and conditions subject to change, and vary based on creditworthiness, qualifications and other factors. All loans subject to approval. Not all borrowers will qualify. Offer applicable to 85% of determined property value. An appraisal is required for loans with a loan-to-value greater than 80% and is the member’s responsibility. The range of costs for the appraisal is generally between $450-$700 but can vary. Property insurance required. If your property is in a flood plain flood insurance is required. Other restrictions may apply. See credit union for details.

Rates are subject to change at any time.

Fee Schedule – Effective 8/1/25