Loan Rates

Rates accurate as of November 1, 2024 and are subject to change without notice.
Rates are determined by an evaluation of the applicant’s credit and your actual rate may vary. “A” tier rates advertised, see other rate tiers below.†

  • Auto Loans - New


    up to $125,000
    Term APR as low as Monthly Payment
    36 Months 5.45% $30.18
    48 Months 6.30% $23.63
    60 Months 6.40% $19.53
    72 Months 6.60% $16.86
    84 Months 7.20% $15.20
    120 Months* 7.40% $11.82
    All payments quoted above based upon $1,000 borrowed. Loan To Value (LTV) Over 115% - 125% + 1.00% higher than the credit union's auto loan rate or LTV Over 125% - 150% +2.00%. Recreational vehicles are priced 5.00% higher than the credit union’s auto loan rates. *120 Month term only for auto loans over $75,000.

  • Auto Loans - Used


    up to $125,000
    Term APR as low as Monthly Payment
    36 Months 5.45% $30.18
    48 Months 6.30% $23.63
    60 Months 6.40% $19.53
    72 Months 6.60% $16.86
    84 Months 7.20% $15.20
    120 Months* 7.40% $11.82
    All payments quoted above based upon $1,000 borrowed. Loan To Value (LTV) Over 115% - 125% + 1.00% higher than the credit union's auto loan rate or LTV Over 125% - 150% +2.00%. Recreational vehicles are priced 5.00% higher than the credit union’s auto loan rates. *120 Month term only for auto loans over $75,000.

  • Personal Line of Credit


    up to $10,000
    PLOC Rate Term APR as low as
    PLOC rate = prime + 7% changes monthly revolving 15.00%
    APR may vary

  • Unsecured Personal Loan


    up to $60,000
    Term APR as low as Monthly Payment
    36 Months 10.99% $32.73
    48 Months 11.19% $25.94
    60 Months 11.39% $21.94
    72 Months 12.39% $19.75
    84 Months 13.39% $18.40
    All payments quoted above based upon $1,000 borrowed.

  • Seasonal Loan


    Balance Term APR as low as Monthly Payment
    $500 to $2,500 12 months 7.99% $86.98
    All payments quoted above based upon $1,000 borrowed.

  • Share Secured Loan


    100% of share value
    Term APR as low as Monthly Payment
    Up to 60 months 3.75% $18.31
    61-120 months 4.25% $10.25
    All payments quoted above based on $1,000 borrowed.

  • Credit Builder Loan


    Up to $5,000
    Term APR as low as Monthly Payment
    Up to 60 months 3.75% $18.31
    All payments quoted above based on $1,000 borrowed.

  • Credit Cards


    Credit Type Terms Maximum APR
    VISA® Platinum
    1% cash back    		 revolving $60,000 12.90%
    VISA® Prestige
    Variable rate = Prime + 3%
    (changes quarterly)    		 revolving $60,000 11.00%

  • Home Equity Loans


    Fixed Rate Home Equity1

    Term APR as low as Monthly Payment
    36 months 5.99% $30.42
    60 months 5.99% $19.33
    120 months 6.24% $11.23
    180 months 6.74% $8.85
    240 months 6.99% $7.75
    All payments quoted above based upon $1,000 borrowed. Rates based on $5,000 minimum.

    Home Equity Line of Credit1

    Term APR as low as Monthly Payment
    120 months 6.50% $11.62
    Minimum $5,000
    Variable rate = Prime - 1.50%
    Rate floor = 4.00%

    APR may vary. All payments quoted above based upon $1,000 borrowed. Minimum monthly payment of $20.00.

    1Home equity fixed and line of credit requires a $100.00 government recording fee due at time of application. Home equity loans are limited to 85% of property value minus any existing liens. Loans are limited to 1 to 4 family, owner occupied or second homes which are residential properties. Loans are limited to real estate property located in Pennsylvania. All Home Equity Loans require an appraisal. All Home Equity Loans require an appointment to apply.

†Rate Tiers and Credit Scores
Base Rate ”A” Tier Credit Score = 750+
+0.50% “B” Tier Credit Score = 680 - 749
+3.00% “C” Tier Credit Score = 590 - 679
+5.00% “D” Tier Credit Score = <589
Home Equity Loans may be on a different rate adjustment.