Rates current as of September 22, 2023
New Auto/Motorcycle
New = current or next model year, or prior year untitled and unregistered with no miles (through March 2023). Some Restrictions Apply.
Terms |
APR* |
up to 36 mo |
6.24% |
37-48 mo |
6.49% |
49-66 mo |
6.74% |
67-75 mo |
6.99% |
76-84 mo |
7.49% |
Loan Payment Example: A $30,000 loan at 6.74% APR would have 66 monthly payments of $545.32 each month.
Used Auto/Motorcycle
Used = 2017 & newer, or previously titled and registered. Some Restrictions Apply.
Terms |
APR* |
up to 36 mo |
6.74% |
37-48 mo |
6.99% |
49-66 mo |
7.24% |
67-75 mo |
7.49% |
76-84 mo |
7.99% |
Loan Payment Example: A $30,000 loan at 7.24% APR would have 66 monthly payments of $552.46 each month.
New Recreational (Boats, Travel Trailers, RVs, Snowmobiles, Dirt Bikes/ATVs)
New = current or next model year, or prior year untitled and unregistered with no miles (through March 2023). Some Restrictions Apply.
Terms |
APR* |
up to 36 mo |
7.24% |
37-48 mo |
7.74% |
49-66 mo |
7.99% |
67-75 mo |
8.74% |
76-84 mo |
8.99% |
85-144 mo |
10.99% |
145-180 mo |
11.74% |
Loan Payment Example: A $30,000 loan at 7.99% APR would have 66 monthly payments of $563.28 each month.
Used Recreational (Boats, Travel Trailers, RVs, Snowmobiles, Dirt Bikes/ATVs)
Used = 2017 & newer, or previously titled and registered. Some Restrictions Apply.
Terms |
APR* |
up to 36 mo |
7.74% |
37-48 mo |
8.24% |
49-66 mo |
8.49% |
67-75 mo |
9.24% |
76-84 mo |
9.49% |
85-144 mo |
11.49% |
145-180 mo |
12.24% |
Loan Payment Example: A $30,000 loan at 8.49% APR would have 66 monthly payments of $570.57 each month.
Older Auto & Recreational Loans (Boats, Travel Trailers, RVs, Snowmobiles, Dirt Bikes/ATVs)
Older = 2014-2016
Terms |
APR* |
up to 36 mo |
7.74% |
37-48 mo |
8.24% |
49-66 mo |
8.49% |
Loan Payment Example: A $30,000 loan at 8.49% APR would have 66 monthly payments of $570.57 each month.
New Electric Vehicle/Motorcycle²
New = current or next model year, or prior year untitled and unregistered with no miles (through March 2023). Some Restrictions Apply.
Terms |
APR* |
up to 36 mo |
5.74% |
37-48 mo |
5.99% |
49-66 mo |
6.24% |
67-75 mo |
6.49% |
76-84 mo |
6.99% |
Loan Payment Example: A $30,000 loan at 6.24% APR would have 66 monthly payments of $538.23 each month.
Used Electric Vehicle/Motorcycle²
Used = 2017 & newer, or previously titled and registered. Some Restrictions Apply.
Terms |
APR* |
up to 36 mo |
6.24% |
37-48 mo |
6.49% |
49-66 mo |
6.74% |
67-75 mo |
6.99% |
76-84 mo |
7.49% |
Loan Payment Example: A $30,000 loan at 6.74% APR would have 66 monthly payments of $545.32 each month.
New & Used Electric Bicycles²
Terms |
APR* |
up to 24 mo |
6.99% |
25-36 mo |
7.49% |
37-48 mo |
8.24% |
49-60 mo |
8.49% |
Loan Payment Example: A $2,500 loan at 6.99% APR would have 24 monthly payments of $111.95 each month.
²To receive advertised rate, member must disclose intention to purchase electric vehicle at time of loan application. Rates published on website include discount of 0.50% APR off new vehicle or used vehicle rates and personal loan rates.
Solar Panel Secured
Rates current as of November 28, 2022
Terms |
APR* |
up to 60 mo |
5.49% |
61-72 mo |
5.99% |
73-84 mo |
6.49% |
85-120 mo |
6.99% |
Loan Payment Example: A $15,000 balance at 6.99% APR would have 120 monthly payments of $174.11 each month.
Home Equity
Rates current as of September 1, 2023
Terms |
APR* |
60 months |
5.49% |
120 months |
5.99% |
180 months |
6.49% |
Loan Payment Example: A $50,000 loan at 6.49% APR would have 180 monthly payments of $435.36 each month. Taxes and insurance premiums are not included in the payment example, so the actual payment obligation may be greater. A first (or subsequent) lien position is placed on dwelling used as security for the loan.
Personal
Rates current as of February 7, 2023
Terms |
APR* |
up to 24 mo |
7.49% |
25-36 mo |
7.99% |
37-48 mo |
8.74% |
49-60 mo |
8.99% |
Loan Payment Example: A $10,000 balance at 8.74% APR would have 48 monthly payments of $247.70 each month.
Home Equity Line of Credit †
Rates current as of August 14, 2023
Index (Prime Rate) |
Margin |
Current APR* |
Maximum APR |
8.50% |
-0.25% |
8.25% |
17.99% |
Variable Rate Line of Credit †
Rates current as of August 14, 2023
Index (Prime Rate) |
Margin |
Current APR* |
Maximum APR |
8.50% |
+10.00% |
18.50% |
17.99% |
- *APR = Annual Percentage Rate
- Interest rates are current as of the date posted above and are subject to change without notice. Your Annual Percentage Rate for all loans will vary based upon creditworthiness, duration of the loan, type of collateral pledged and the total loan to value.
- The interest rates shown are "as low as". Your Annual Percentage Rate for all loans may vary from the stated based upon creditworthiness.
† Annual Percentage Rate may vary. Maximum APR that may be imposed in a variable-rate plan = 17.99%. Your variable rate will be the lesser of the current APR, which is the index value plus the margin, or the maximum APR.
Mastercard
Effective August 14, 2023
Index (Prime Rate) |
Margin |
Current APR* |
Maximum APR |
8.50% |
+5.24% to 14.49% |
13.74% to 17.99% |
17.99% |
Log into online banking to apply for an Empower loan online. The interest rate shown is 'as low as'. Your Annual Percentage Rate (APR) for the Mastercard credit card may vary from the stated APR, based upon creditworthiness.
All loans subject to approval. Rates, terms, and conditions subject to change.