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 |
**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.
| 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 |
**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.
| 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 |
| Home Equity Loans – 2nd lien position | Annual Percentage Rate as low as | |
|---|---|---|
| Up to 60 months | 6.38%** | Apply Online |
| Please call us for terms greater than 60 months. |
| 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 |
**Based on 60 month term on $50,000 loan. 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.
***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.
| Personal/Signature Loan | Annual Percentage Rate as low as | |
|---|---|---|
| Up to 36 months | 11.74%** | Apply Online |
| 37-60 months | 12.74%** | Apply Online |
**Rate Determined By Credit Score. All loans subject to approval. Rates, terms and conditions subject to change, and vary based on creditworthiness and qualifications.
| Personal Line of Credit | Annual Percentage Rate as low as | |
|---|---|---|
| 11.00% VAPR*** | Apply Online |
***VAPR=Variable Annual Percentage Rate. Rate is calculated by The Wall Street Journal Prime Rate plus 4.40% to 9.00% margin (margin depends on credit worthiness).
| CD and Share Savings Secured Loans | Annual Percentage Rate as low as | |
|---|---|---|
| CD Secured (term of CD) | 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 | 11.40% VAPR*** | Apply Online |
IMPORTANT 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: 11.40% – 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: 11.40% – 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: 11.40% – 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).”
***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).
*APR=Annual Percentage Rate
Rates are subject to change at any time.
Fee Schedule – Effective 8/1/25