Current rates
Personal loans
All interest rates and annual percentage rates (APR) are current as of today’s date.
Personal loans
Loan type | Terms | APR (%) |
| Certificate Secured1 | Maturity of certificate | 2.5 plus certificate rate |
Life Insurance Cash Value2 Fixed >$10,000 | Up to 60 months Up to 60 months | 7.75 7.24 |
Life Insurance Cash Value3 Adjustable >$100,000 | Up to 60 months Up to 60 months | 7.49 7.24 |
| Reserve Line of Credit4 | As long as the checking is open | 17.00 |
| Preferred Line of Credit5 | 60 months | 15.24 |
| Investment Secured LOC6 | 12 months | 8.50 |
Unsecured Personal Term Loans7
Credit score | Term (months) | APR (%) |
700+ | 36 (up to 60 month term available) | 12.24 |
680-699 | 36 (up to 60 month term available) | 14.24 |
660-679 | 36 (up to 48 month term available) | 16.24 |
620-659 | 36 | 18.00 |
This page was last updated on December 20, 2024.
The Prime Rate as of November 11, 2024, is 7.75%.
The 5-year Treasury Rate as of December 16, 2024, is 4.14%.
Rates are subject to change without notice. Certain restrictions may apply.
All loans and lines of credit are subject to credit application, qualification and approval.
Must qualify for membership.
1Your rate will be determined based on collateral.
Certificate Secured Payment Example:
A $20,000 loan with a simple interest rate of 5.26% and a corresponding Annual Percentage Rate (APR) of 5.26% for 36 months equates to a monthly principal and interest payment of $601.76.
2Your rate will be determined based on loan amount.
Fixed Life Insurance Cash Value Payment Examples:
A $10,000 loan with a simple interest rate of 7.75% and a corresponding Annual Percentage Rate (APR) of 7.75% for 60 months equates to a monthly principal and interest payment of $201.57
A $20,000 loan with a simple interest rate of 7.24% and a corresponding Annual Percentage Rate (APR) of 7.24% for 60 months equates to a monthly principal and interest payment of $398.29
3Your rate is determined by your loan amount and the initial rate may not necessarily be based on the current value of the index plus a margin. After the first 60 months, your rate will adjust based on the value of the index (5-year Treasury Rate – weekly average yield on United States Treasury securities adjusted to the constant maturity of five years) plus a margin. Margins range from 3.25% to 4.00% based on payment method, account relationship and loan amount. Your rate will adjust every 60 months thereafter until maturity. A change in rate will result in a corresponding change in payment. Rates are subject to change but will not be lower than 4.5% or higher than 18%.
Adjustable Life Insurance Cash Value Payment Examples:
Examples based on initial rate and full term. Rate and payment can adjust every 60 months, until maturity.
A $20,000 loan with a simple interest rate of 7.49% and a corresponding Annual Percentage Rate (APR) of 7.49% for 120 months equates to a monthly principal and interest payment of $237.30.
A $150,000 loan with a simple interest rate of 7.24% and a corresponding Annual Percentage Rate (APR) of 7.24% for 180 months equates to a monthly principal and interest payment of $1,368.45.
4Automatic payment required. Making only the minimum monthly payment during the term of the loan may not fully amortize the outstanding balance and may result in a balloon payment.
5The rate is based on an index (Prime Rate) plus the margin in effect at the time your loan is originated. The rate is variable and will change as and when the Prime Rate changes but in no case will exceed 18% or the maximum rate allowed by the law, whichever is less. Minimum credit score of 700 required. Minimum loan amount of $5,000. Making only the minimum monthly payments during the term of the loan may not fully amortize the outstanding balance and may result in a balloon payment.
6Your rate is determined by the highest U.S. Prime Rate as published in the "Money Rates" section of the Wall Street Journal (Index), rounded to the nearest hundredth (0.01) decimal place, plus a Margin. The rate is variable and is subject to change on the first day of each monthly billing cycle, which is the day after your payment is due. Your rate will adjust based on the most recent Index value available to us as of the third Monday of each month prior to any rate adjustment, rounded to the nearest hundredth (0.01) decimal place, plus the Margin. The rate will never be greater than 18.00% or the maximum rate allowed by law, whichever is less. Any increase in rate will result in a higher payment amount. Minimum loan amount of $20,000.
7Your rate will be determined based on term and credit score.
Unsecured Personal Term Loan Payment Examples:
A $10,000 personal loan with a simple interest rate of 12.24% and a corresponding Annual Percentage Rate (APR) of 12.24% for 36 months equates to a monthly principal and interest payment of $333.29.
A $10,000 personal loan with a simple interest rate of 14.24% and a corresponding Annual Percentage Rate (APR) of 14.24% for 36 months equates to a monthly principal and interest payment of $342.94.
A $10,000 personal loan with a simple interest rate of 16.24% and a corresponding Annual Percentage Rate (APR) of 16.24% for 36 months equates to a monthly principal and interest payment of $352.76.
A $10,000 personal loan with a simple interest rate of 18.00% and a corresponding Annual Percentage Rate (APR) of 18.00% for 36 months equates to a monthly principal and interest payment of $361.52
The 5-year Treasury Rate as of December 16, 2024, is 4.14%.
Rates are subject to change without notice. Certain restrictions may apply.
All loans and lines of credit are subject to credit application, qualification and approval.
Must qualify for membership.
1Your rate will be determined based on collateral.
Certificate Secured Payment Example:
A $20,000 loan with a simple interest rate of 5.26% and a corresponding Annual Percentage Rate (APR) of 5.26% for 36 months equates to a monthly principal and interest payment of $601.76.
2Your rate will be determined based on loan amount.
Fixed Life Insurance Cash Value Payment Examples:
A $10,000 loan with a simple interest rate of 7.75% and a corresponding Annual Percentage Rate (APR) of 7.75% for 60 months equates to a monthly principal and interest payment of $201.57
A $20,000 loan with a simple interest rate of 7.24% and a corresponding Annual Percentage Rate (APR) of 7.24% for 60 months equates to a monthly principal and interest payment of $398.29
3Your rate is determined by your loan amount and the initial rate may not necessarily be based on the current value of the index plus a margin. After the first 60 months, your rate will adjust based on the value of the index (5-year Treasury Rate – weekly average yield on United States Treasury securities adjusted to the constant maturity of five years) plus a margin. Margins range from 3.25% to 4.00% based on payment method, account relationship and loan amount. Your rate will adjust every 60 months thereafter until maturity. A change in rate will result in a corresponding change in payment. Rates are subject to change but will not be lower than 4.5% or higher than 18%.
Adjustable Life Insurance Cash Value Payment Examples:
Examples based on initial rate and full term. Rate and payment can adjust every 60 months, until maturity.
A $20,000 loan with a simple interest rate of 7.49% and a corresponding Annual Percentage Rate (APR) of 7.49% for 120 months equates to a monthly principal and interest payment of $237.30.
A $150,000 loan with a simple interest rate of 7.24% and a corresponding Annual Percentage Rate (APR) of 7.24% for 180 months equates to a monthly principal and interest payment of $1,368.45.
4Automatic payment required. Making only the minimum monthly payment during the term of the loan may not fully amortize the outstanding balance and may result in a balloon payment.
5The rate is based on an index (Prime Rate) plus the margin in effect at the time your loan is originated. The rate is variable and will change as and when the Prime Rate changes but in no case will exceed 18% or the maximum rate allowed by the law, whichever is less. Minimum credit score of 700 required. Minimum loan amount of $5,000. Making only the minimum monthly payments during the term of the loan may not fully amortize the outstanding balance and may result in a balloon payment.
6Your rate is determined by the highest U.S. Prime Rate as published in the "Money Rates" section of the Wall Street Journal (Index), rounded to the nearest hundredth (0.01) decimal place, plus a Margin. The rate is variable and is subject to change on the first day of each monthly billing cycle, which is the day after your payment is due. Your rate will adjust based on the most recent Index value available to us as of the third Monday of each month prior to any rate adjustment, rounded to the nearest hundredth (0.01) decimal place, plus the Margin. The rate will never be greater than 18.00% or the maximum rate allowed by law, whichever is less. Any increase in rate will result in a higher payment amount. Minimum loan amount of $20,000.
7Your rate will be determined based on term and credit score.
Unsecured Personal Term Loan Payment Examples:
A $10,000 personal loan with a simple interest rate of 12.24% and a corresponding Annual Percentage Rate (APR) of 12.24% for 36 months equates to a monthly principal and interest payment of $333.29.
A $10,000 personal loan with a simple interest rate of 14.24% and a corresponding Annual Percentage Rate (APR) of 14.24% for 36 months equates to a monthly principal and interest payment of $342.94.
A $10,000 personal loan with a simple interest rate of 16.24% and a corresponding Annual Percentage Rate (APR) of 16.24% for 36 months equates to a monthly principal and interest payment of $352.76.
A $10,000 personal loan with a simple interest rate of 18.00% and a corresponding Annual Percentage Rate (APR) of 18.00% for 36 months equates to a monthly principal and interest payment of $361.52