Consumer Loan Rates
We love giving credit
Yes, it’s true. Providing wallet-friendly loans is what we do best. Check out our current rates and see for yourself—we make it affordable to secure the financing you need.
Effective Date: November 10, 2023
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New/Used Auto/Motorcycle 2019-2023
New/Used Auto/Motorcycle*
For model years: 2019-2023 |
Approx. Term |
APR as low as |
| |
24-60 months |
6.95% |
| $12,500 and over |
72 months |
7.25% |
| $25,000 and over |
84 months |
8.25% |
APR=Annual Percentage Rate. Rate effective November 10, 2023. The rate advertised can vary based on credit, age of vehicle, and terms of the loan. 6.95% is the lowest rate and includes a maximum 75 basis point (0.75%) qualifying discount.
Used Auto/Motorcycle 2017-2018
Used Auto/Motorcycle*
For model years: 2017-2018 |
Approx. Term |
APR as low as |
| |
24-60 months |
7.95% |
| $12,500 and over |
72 months |
8.25% |
| $25,000 and over |
84 months |
9.25% |
APR=Annual Percentage Rate. Rate effective November 10, 2023. The rate advertised can vary based on credit, age of vehicle, and terms of the loan. 7.95% is the lowest rate and includes a maximum 75 basis point (0.75%) qualifying discount.
Used Auto/Motorcycle 2016 & older
Used Auto/Motorcycle*
For model years: 2016 & older |
Approx. Term |
APR as low as |
| |
24-60 months |
7.95% |
APR=Annual Percentage Rate. Rate effective November 10, 2023. The rate advertised can vary based on credit, age of vehicle, and terms of the loan. 7.95% is the lowest rate and includes a maximum 75 basis point (0.75%) qualifying discount.
New/Used RV 2017-2023
New/Used RV*
Never Title/Previously Titled |
Approx. Term |
APR as low as |
|
12-60 months |
7.29% |
| $15,000 & over |
84 months |
7.79% |
$20,000 & over
|
120 months |
8.29% |
| $25,000 & over |
180 months |
8.79% |
| $50,000 & over |
240 months |
9.29% |
APR=Annual Percentage Rate. Rate effective November 10, 2023. The rate advertised can vary based on credit, age of vehicle, and terms of the loan. 7.29% is the lowest rate and includes a maximum 75 basis point (0.75%) qualifying discount.
Used RV 2016 & older
Used RV*
For model years: 2016 & older |
Approx. Term |
APR as low as |
|
12-60 months |
7.79% |
| $15,000 & over |
84 months |
8.29% |
$20,000 & over
|
120 months |
8.79% |
| $25,000 & over |
180 months |
9.29% |
| $50,000 & over |
240 months |
9.79% |
APR=Annual Percentage Rate. Rate effective November 10, 2023. The rate advertised can vary based on credit, age of vehicle, and terms of the loan. 7.79% is the lowest rate and includes a maximum 75 basis point (0.75%) qualifying discount.
New/Used Boat 2017-2023
New/Used Boat*
Never Title/Previously Titled |
Approx. Term |
Rates as low as |
|
12-60 months |
7.54% APR |
| $15,000 & over |
84 months |
8.04% APR |
| $20,000 & over |
120 months |
8.54% APR |
| $25,000 & over |
180 months |
9.04% APR |
| $50,000 & over |
240 months |
9.54% APR |
APR=Annual Percentage Rate. Rate effective November 10, 2023. The rate advertised can vary based on credit, age of vehicle, and terms of the loan. 7.54% is the lowest rate and includes a maximum 75 basis point (0.75%) qualifying discount.
Used Boat 2016 & older
Used Boat*
For model years: 2016 & older |
Approx. Term |
Rates as low as |
|
12-60 months |
8.04% APR |
| $15,000 & over |
84 months |
8.54% APR |
| $20,000 & over |
120 months |
9.04% APR |
| $25,000 & over |
180 months |
9.54% APR |
| $50,000 & over |
240 months |
10.04% APR |
APR=Annual Percentage Rate. Rate effective November 10, 2023. The rate advertised can vary based on credit, age of vehicle, and terms of the loan. 8.04% is the lowest rate and includes a maximum 75 basis point (0.75%) qualifying discount.
Line of Credit
| Line of Credit* |
Approx. Term |
Rates as low as |
| |
Revolving |
11.99% APR |
APR=Annual Percentage Rate. 11.99% APR is our lowest rate for the Line of Credit. Your APR may vary depending on your credit score.
Credit Cards
| Credit Cards* |
Approx. Term |
APR as low as |
| |
Revolving |
8.99% APR |
APR=Annual Percentage Rate. 8.99% APR is our lowest rate for the Encore Visa Signature® or Platinum Rewards Visa® credit cards. Your APR may vary depending on your credit score.
Signature
| Signature* |
Approx. Term |
APR as low as |
| |
60 months |
11.24% |
| Add 0.75% for Debt Consolidation |
|
11.99% |
APR=Annual Percentage Rate. Rate effective November 10, 2023. The rate advertised can vary based on credit and terms of the loan. 11.24% APR is the lowest rate and includes a maximum 25 basis point (0.25%) qualifying discount.
Share/Certificate Secured
| Share/Certificate Secured |
APPROX. TERM |
APR |
Share Secured (100% of share balance)
|
60 months |
3.5% above dividend |
| Certificate Secured (90% of cert balance) |
12 months |
3.5% above dividend |
| Credit Builder |
36 months |
3.5% above dividend |
APR=Annual Percentage Rate.
Certificate Secured: The Annual Percentage Rate (APR) for Certificate secured advances will be the dividend rate being paid on the Certificate (Index) offered as security plus 3.5%. The Certificate must be renewed until the advance is completely paid. When the Certificate is renewed, the APR will change to reflect the new dividend rate. Any increase in the APR will result in more payments of the same amount until what you owe is repaid.
Auto & Motorcycle loans qualify for up to 75 basis points (0.75%) in discounts, including:
- 50 basis point (0.50%) discount for automatic payments from a CoastHills checking account
- 25 basis point (0.25%) discount for a refinance from another financial institution
- 25 basis point (0.25%) eco-friendly discount for purchase of a hybrid or electric vehicle
- up to 25 basis point (0.25%) relationship rewards discount
RV & Boat loans qualify for up to 75 basis points (0.75%) in discounts, including:
- 50 basis point (0.50%) discount for automatic payments from a CoastHills checking account
- 25 basis point (0.25%) discount for a refinance from another financial institution
- up to 25 basis point (0.25%) relationship rewards discount
Signature loans qualify for up to 25 basis points (0.25%) in discounts, including:
- up to 25 basis point (0.25%) relationship rewards discount
*Subject to credit approval. Certain other conditions may apply, please speak to a Member Services Officer for details. Rates are subject to change without notice.