LOAN RATES
Rates are subject to change at any time.
Model Year (Term) | Annual Percentage Rate (APR) |
|---|---|
2025-2026 New (up to 48 months) | as low as 4.69% |
2025-2026 New (up to 84 months) | as low as 4.99% |
2024-2025 (up to 48 months) | as low as 4.69% |
2024-2025 (up to 84 months) | as low as 4.99% |
2019-2023 (up to 48 months) | as low as 4.69% |
2019-2023 (up to 84 months) | as low as 4.99% |
2016-2018 (up to 48 months) | as low as 4.69% |
2016-2018 (up to 77 months) | as low as 4.89% |
2006-2015 (up to 48 months) | as low as 6.69% |
2006-2015 (up to 66 months) | as low as 7.19% |
Model Year (Term) | Annual Percentage Rate (APR) |
|---|---|
2025-2026 New (up to 48 months) | as low as 4.69% |
2025-2026 New (up to 84 months) | as low as 4.99% |
2024-2025 (up to 48 months) | as low as 4.69% |
2024-2025 (up to 84 months) | as low as 4.99% |
2019-2023 (up to 48 months) | as low as 4.69% |
2019-2023 (up to 84 months) | as low as 4.99% |
2016-2018 (up to 48 months) | as low as 4.69% |
2016-2018 (up to 77 months) | as low as 4.89% |
2006-2015 (up to 48 months) | as low as 6.69% |
2006-2015 (up to 66 months) | as low as 7.19% |
Model Year (Term) | Annual Percentage Rate (APR) | Loan Amount |
|---|---|---|
Up to 48 months | as low as 7.59% | Minimum $4,000 |
Up to 66 months | as low as 7.79% | Minimum $7,500 |
Up to 75 months | as low as 7.99% | Minimum $7,500 |
Model Year (Term) | Annual Percentage Rate (APR) | Loan Amount |
|---|---|---|
Up to 48 months | as low as 7.59% | Minimum $4,000 |
Up to 63 months | as low as 7.79% | Minimum $7,500 |
Up to 75 months | as low as 8.49% | Minimum $10,000 |
Up to 84 months | as low as 8.79% | Minimum $10,000 |
Up to 120 months | as low as 9.19% | Minimum $10,000 |
Up to 180 months | as low as 9.59% | Minimum $20,000 |
Model Year (Term) | Annual Percentage Rate (APR) | Loan Amount |
|---|---|---|
Up to 48 months | as low as 7.94% | Minimum $4,000 |
Up to 63 months | as low as 8.14% | Minimum $7,500 |
Up to 75 months | as low as 8.84% | Minimum $10,000 |
Up to 84 months | as low as 9.14% | Minimum $10,000 |
Up to 120 months | as low as 9.19% | Minimum $10,000 |
Up to 180 months | as low as 9.94% | Minimum $20,000 |
Model Year (Term) | Annual Percentage Rate (APR) | Loan Amount |
|---|---|---|
Up to 48 months | as low as 7.59% | Minimum $4,000 |
Up to 63 months | as low as 7.79% | Minimum $7,500 |
Up to 72 months | as low as 7.99% | Minimum $10,000 |
Term | Annual Percentage Rate (APR) | Loan Amount |
|---|---|---|
Up to 48 months | as low as 8.54% | Up to $40,000 |
Up to 60 months | as low as 9.54% | Up to $40,000 |
Up to 72 months | as low as 9.54% | Up to $40,000 |
Up to 84 months | as low as 10.54% | Up to $40,000 |
Up to 120 months | as low as 12.54% | Up to $40,000 |
Term | Annual Percentage Rate (APR) | Loan Amount |
|---|---|---|
Up to 48 months | as low as 8.54% | Up to $40,000 |
Up to 60 months | as low as 9.54% | Up to $40,000 |
Up to 72 months | as low as 9.54% | Up to $40,000 |
Up to 84 months | as low as 10.54% | Up to $40,000 |
Up to 120 months | as low as 12.54% | Up to $40,000 |
Term | Annual Percentage Rate (APR) | Loan Amount |
|---|---|---|
No Term Limit | as low as 9.75% | Up to $25,000 |
Term | Annual Percentage Rate (APR) | Loan Amount |
|---|---|---|
Up to the term of the Certificate | 2.00% + Current Certificate Rate | Up to 90% of Certificate Balance |
Term | Annual Percentage Rate (APR) | Loan Amount |
|---|---|---|
Up to 75 months | 3.00% + Current Share Rate | Up to 100% of Share Account Funds |
Term - Type | Interest Rate | Annual Percentage Rate (APR) | Points |
|---|---|---|---|
30-year Products
| |||
30-year Conventional Fixed | 6.625% | 7.033% | -0.250 |
30-year Conventional Fixed | 6.500% | 6.949% | 0.217 |
30-year Conventional Fixed | 6.375% | 6.866% | 0.717 |
30-year FHA Fixed | 5.990% | 6.429% | -0.422 |
30-year FHA Fixed | 5.375% | 6.041% | 2.386 |
30-year FHA Fixed | 5.250% | 5.968% | 3.055 |
30-year VA Fixed | 5.990% | 6.538% | -0.092 |
30-year VA Fixed | 5.875% | 6.469% | 0.468 |
30-year VA Fixed | 5.490% | 6.408% | 4.366 |
30-year Conventional Fixed - First Time Homebuyer | 6.250% | 6.679% | -0.217 |
30-year Conventional Fixed - First Time Homebuyer | 6.125% | 6.607% | 0.401 |
30-year Conventional Fixed - First Time Homebuyer | 6.000% | 6.531% | 0.991 |
30-year Conventional Fixed - Investment | 7.125% | 7.913% | -0.085 |
30-year Conventional Fixed - Investment | 7.000% | 7.812% | 0.228 |
30-year Conventional Fixed - Investment | 6.990% | 7.802% | 0.235 |
30-year Conventional Fixed - Refinance | 6.875% | 7.579% | -0.301 |
30-year Conventional Fixed - Refinance | 6.750% | 7.480% | 0.041 |
30-year Conventional Fixed - Refinance | 6.625% | 7.399% | 0.568 |
20-year Products
| |||
20-year Conventional Fixed | 6.750% | 7.311% | -0.096 |
20-year Conventional Fixed | 6.625% | 7.169% | -0.205 |
20-year Conventional Fixed | 6.500% | 7.087% | 0.170 |
15-year Products
| |||
15-year Conventional Fixed | 6.375% | 7.074% | -0.031 |
15-year Conventional Fixed | 6.250% | 6.986% | 0.240 |
15-year Conventional Fixed | 6.125% | 6.889% | 0.442 |
10-year Products
| |||
10-year Conventional Fixed | 6.375% | 7.359% | -0.031 |
10-year Conventional Fixed | 6.250% | 7.289% | 0.240 |
10-year Conventional Fixed | 6.125% | 7.204% | 0.442 |
Term - Type | Interest Rate | Annual Percentage Rate (APR) | Points |
|---|---|---|---|
5/6 SOFR ARM | 4.712% | 5.128% | 0.000 |
7/6 SOFR ARM | 4.820% | 5.240% | 0.000 |
10/6 SOFR ARM | 4.945% | 5.369% | 0.000 |
5/1 CMT FHA ARM | 4.774% | 5.146% | 0.000 |
7/1 CMT FHA ARM | 4.873% | 5.247% | 0.000 |
Term - Type | Interest Rate | Annual Percentage Rate (APR) | Points |
|---|---|---|---|
30-year Jumbo Fixed | 6.750% | 7.098% | -0.296 |
30-year Jumbo Fixed | 6.625% | 6.999% | 0.016 |
30-year Jumbo Fixed | 6.500% | 6.900% | 0.329 |
Lien Type | Term | Annual Percentage Rate (APR) | Promotion APR | Draw Period | Repayment Period |
|---|---|---|---|---|---|
1st Lien or 2nd Lien with Wellby Mortgage | 360 months | as low as 6.50% - variable rate | as low as 4.99% - first 6 months fixed rate | 120 months | 240 months |
2nd Lien | 360 months | as low as 6.75% - variable rate | as low as 4.99% - first 6 months fixed rate | 120 months | 240 months |
Lien Type (Term) | Annual Percentage Rate (APR) |
|---|---|
1st Lien (Up to 60 months) | as low as 6.25% |
1st Lien (Up to 120 months) | as low as 6.50% |
1st Lien (Up to 180 months) | as low as 6.75% |
1st Lien (Up to 240 months) | as low as 6.99% |
2nd Lien - Wellby 1st Mortgage (Up to 60 months) | as low as 6.25% |
2nd Lien - Wellby 1st Mortgage (Up to 120 months) | as low as 6.50% |
2nd Lien - Wellby 1st Mortgage (Up to 180 months) | as low as 6.75% |
2nd Lien - Wellby 1st Mortgage (Up to 240 months) | as low as 6.99% |
2nd Lien (Up to 60 months) | as low as 7.00% |
2nd Lien (Up to 120 months) | as low as 7.50% |
2nd Lien (Up to 180 months) | as low as 7.75% |
2nd Lien (Up to 240 months) | as low as 8.00% |
Annual Percentage Rate (APR) | Annual Fee | Balance Transfer Fee |
|---|---|---|
7.90%-15.90% | $0 | $0 |
Annual Percentage Rate (APR) | Annual Fee | Balance Transfer Fee |
|---|---|---|
9.90%-17.90% | $0 | $0 |
Disclosures
Auto and Auto Refi Loan
APR = Annual Percentage Rate. All rates are listed as Annual Percentage Rate (APR). Loans are subject to credit approval. Certain credit criteria and restrictions apply. Qualifying rates may be based on a combination of your credit score, the term you select, collateral (including age and mileage), and other normal lending criteria. Rates subject to change without notice.
TERM MODEL YEARS. Indicates the year model range allowed by term.
NEW/USED VEHICLE. A vehicle shall be considered new until the last day of June in the year immediately following its model year, providing it has an odometer reading of less than 5,000 miles. On the first day of July and thereafter, these vehicles shall be financed as Used Autos.
*78‐84 month terms are only available on 2017 and newer model-year vehicles.
Motorcycle Loan
APR = Annual Percentage Rate. All rates are listed as Annual Percentage Rate (APR). Loans are subject to credit approval. Certain credit criteria and restrictions apply. Qualifying rates may be based on a combination of your credit score, the term you select, collateral (including age and mileage), and other normal lending criteria. Rates subject to change without notice.
LOAN AMOUNT. The minimum amount that can be financed for the term.
Boat & Watercraft Loan
APR = Annual Percentage Rate. All rates are listed as Annual Percentage Rate (APR). Loans are subject to credit approval. Certain credit criteria and restrictions apply. Qualifying rates may be based on a combination of your credit score, the term you select, collateral (including age and mileage), and other normal lending criteria. Rates subject to change without notice.
LOAN AMOUNT. The minimum amount that can be financed for the term.
TERM. The maximum term for boats 10 years or older is 60 months.
Recreational Vehicle Loan
APR = Annual Percentage Rate. All rates are listed as Annual Percentage Rate (APR). Loans are subject to credit approval. Certain credit criteria and restrictions apply. Qualifying rates may be based on a combination of your credit score, the term you select, collateral (including age and mileage), and other normal lending criteria. Rates subject to change without notice.
LOAN AMOUNT. The minimum amount that can be financed for the term.
TERM. The maximum term for recreational vehicles 10 years or older is 60 months.
ATV Loan
APR = Annual Percentage Rate. All rates are listed as Annual Percentage Rate (APR). Loans are subject to credit approval. Certain credit criteria and restrictions apply. Qualifying rates may be based on a combination of your credit score, the term you select, collateral (including age and mileage), and other normal lending criteria. Rates subject to change without notice.
LOAN AMOUNT. The minimum amount that can be financed for the term.
TERM. The maximum term for ATVs 10 years or older is 60 months.
Personal Loan
APR = Annual Percentage Rate. All rates are listed as Annual Percentage Rate (APR). Loans are subject to credit approval. Certain credit criteria and restrictions apply. Qualifying rates may be based on a combination of your credit score, the term you select, collateral, and other normal lending criteria. Rates subject to change without notice.
LOAN AMOUNT. The maximum amount that can be financed for the term.
Debt Consolidation Loan
APR = Annual Percentage Rate. All rates are listed as Annual Percentage Rate (APR). Loans are subject to credit approval. Certain credit criteria and restrictions apply. Qualifying rates may be based on a combination of your credit score, the term you select, collateral, and other normal lending criteria. Rates subject to change without notice.
LOAN AMOUNT. The maximum amount that can be financed for the term.
Personal Line of Credit
APR = Annual Percentage Rate. All rates are listed as Annual Percentage Rate (APR). Loans are subject to credit approval. Certain credit criteria and restrictions apply. Qualifying rates may be based on a combination of your credit score, the term you select, collateral, and other normal lending criteria. Rates subject to change without notice.
LOAN AMOUNT. The maximum amount that can be financed for the term.
Certificate Secured and Savings Secured Loan
APR = Annual Percentage Rate. All rates are listed as Annual Percentage Rate (APR). Loans are subject to credit approval. Certain credit criteria and restrictions apply. Qualifying rates may be based on a combination of your credit score, the term you select, collateral, and other normal lending criteria. Rates subject to change without notice.
LOAN AMOUNT. The maximum amount that can be financed for the term.
CERTIFICATE & SHARE RATES. For current Share and Share Certificate rates, please see Deposit Rates.
Home Equity Line of Credit (HELOC)
APR = Annual Percentage Rate. The variable rate is based upon The Wall Street Journal Prime Rate (“Prime”) plus a margin and will vary with Prime. Your APR will not exceed 15.00% or go below 3.00% at any time during the term of your account. APR may vary based on the initial draw, actual CLTV, property value, property location, line amount, and other factors.
TERM. The term of a HELOC is 30 years: 10-year draw period and 20-year repayment period. The variable minimum monthly payment during the draw period will be 1.25% of the outstanding balance each month or $100, whichever is greater. The monthly required payment is based on your outstanding loan balance and current interest rate (interest rates can increase or decrease) and may vary each month.
Home Equity Loan
APR = Annual Percentage Rate. All rates are listed as Annual Percentage Rate (APR). Loans are subject to credit approval. Certain credit criteria and restrictions apply.
Qualifying rates may be based on a combination of your credit score, the term you select, collateral, lien position, loan-to-value ratio, and other normal lending criteria. Rates subject to change without notice. Your final APR may vary based upon customary fees and closing costs, which are treatable as interest when calculating your final APR.
Fixed Rate Mortgage
APR = Annual Percentage Rate.
INTEREST RATE. The rate provided is the interest rate based on a loan amount of $280,000, owner-occupied, single-family 1-unit dwelling, 80% LTV (*100% LTV for 100% Financing), and a FICO score of 740+. Qualifying rates may be based on a combination of your credit rating, combined loan-to-value, amount financed, and other factors. Rates subject to change without notice. Your final APR may vary based upon customary fees and closing costs, which are treatable as interest when calculating your final APR.
Fixed Rate Jumbo Mortgage
APR = Annual Percentage Rate.
INTEREST RATE. The rate provided is the interest rate based on a loan amount of $766,551, owner-occupied, single-family 1-unit dwelling, 80% LTV, and a FICO score of 740+. Qualifying rates may be based on a combination of your credit rating, combined loan-to-value, amount financed, and other factors. Rates subject to change without notice. Your final APR may vary based upon customary fees and closing costs, which are treatable as interest when calculating your final APR.
Adjustable Rate Mortgage (ARM)
APR = Annual Percentage Rate. Adjustable Rate Mortgages are variable, and your Annual Percentage Rate (APR) may increase after the original fixed-rate period.
INTEREST RATE. Qualifying rates may be based on a combination of your credit rating, combined loan-to-value, amount financed, and other factors. Rates subject to change without notice. Your final APR may vary based upon customary fees and closing costs, which are treatable as interest when calculating your final APR.
Points is a one-time fee paid to the lender included with your closing cost to lower your loans interest rate.
Credit Card
APR = Annual Percentage Rate. Credit cards are subject to credit approval. Certain credit criteria and restrictions apply. Qualifying rates may be based on a combination of your credit score and other normal lending criteria. Rates subject to change without notice.