| Name | Term | APR* |
|---|---|---|
| 2024 or Newer (less than 5k miles) | 12 - 36 Months | 4.99% F |
| 37 - 48 Months | 4.99% F | |
| 49 - 63 Months | 4.99% F | |
| 64 -72 Months | 5.49% F | |
| 73 - 78 Months | 6.49% F | |
| 2020 - 2024 | 12 - 36 Months | 5.49% F |
| 37 - 48 Months | 5.49% F | |
| 49 - 63 Months | 5.49% F | |
| 64 - 72 Months | 6.49% F | |
| 73 - 78 Months | 7.49% F | |
| 2015 - 2019 | 12 - 36 Months | 6.99% F |
| 37 - 48 Months | 6.99% F | |
| 49 - 63 Months | 6.99% F | |
| 64 - 72 Months | 7.99% F |
*APR = Annual Percentage Rate. Posted rates is based on a purchase transaction and includes a 0.25% rate discount for direct debit. Sample monthly payment per $1,000 borrowed for 36 months @ 4.99% is $29.97. Qualifying rate may vary based on applicant's credit score, loan amount and term, vehicle age and loan purpose. All MSCU auto loans have a one-time $85 Processing Fee. Additional terms and rates are available and subject to change without notice.
| Name | Limit | Term | APR* |
|---|---|---|---|
| Personal Unsecured / Debt Consolidation | $15,000 | 36 Months | 9.99% F |
| $15,000 | 72 Months | 10.99% F | |
| $20,000 | 36 Months | 10.99% F | |
| $20,000 | 72 Months | 11.99% F | |
| $25,000 | 36 Months | 11.99% F | |
| $25,000 | 72 Months | 12.99% F | |
| Savings Secured | $100,000 | 12 - 60 Months | Savings Rate +3% (V) |
| Smart-E Loan - Max APR | 5 Years | 6.99% F | |
| 7 Years | 6.99% F | ||
| 10 Years | 6.99% F | ||
| Smart-E Loan | 12 Years | 7.49% F |
*APR = Annual Percentage Rate. Posted rates include a 0.25% rate discount for direct debit. Sample monthly payment per $1,000 borrowed for 36 months @ 9.99% is $32.40. Qualifying rate may vary based on applicant's credit history, loan amount and term. All personal loans have a $85 processing fee, which is deducted from the loan proceeds. Additional terms and rates are available and subject to change without notice.
| Name | Limit | APR* |
|---|---|---|
| VISA Signature | $25,000 | 18.00% V |
| VISA Platinum Premium | $15,000 | 18.00% V |
| VISA Platinum | $15,000 | 18.00% V |
All VISA accounts have a variable rate.