Loan Rates
Consumer loans
Rates shown below assume repayment by direct deposit or payroll deduction and include a .50% discount. Add .50% for other repayment methods. Some loans show a range of APRs offered. Your rate and the financing terms for which you qualify will be determined by your credit history.
We charge no fees on completed loans. However, some loans may require title transfers, title reports, and appraisals with fees that are beyond our control.
Eligibility for loan products may be limited if you do not live in Washington State. Please contact us for details.
Auto & Motorcycle Loans
| APR | Terms |
| New & Used Car* - 80% financing | |
| 2.99% - 8.49% | Up to 60 months |
| 3.74% - 9.24% | 61 - 84 months |
| New & Used Car* - 100% financing | |
| 1.99% | 36 months |
| 3.24% - 8.74% | Up to 60 months |
| 3.99% - 9.49% | 61 - 84 months |
| New & Used Motorcycle** - 100% financing | |
| 4.99% - 10.49% | Up to 66 months |
| New & Used Hybrid Vehicle* | |
Deduct an extra .50% off the New & Used Car rates above. Please call us to see if the vehicle you're interested in qualifies for the hybrid discount.
* Including tax and license and up to $1,000 extra. Although the credit union charges no fees for auto loans, fees charged by third parties (including other financial institutions or agencies like the Department of Licensing) may apply. Loan example, on a $20,000 loan at 5.24% APR, you would make 48 monthly payments of $462.76. Some restrictions apply on refinances. Rates are subject to change and apply to new loans only.
** Including tax and license, warranty, gap insurance, and up to $1,000 extra. Although the credit union charges no fees for motorcycle loans, fees charged by third parties (including other financial institutions or agencies like the Department of Licensing) may apply. Loan example, on a $15,000 loan at 4.99% APR, you would make 66 monthly payments of $260.35. Rates are subject to change and apply to new loans only.
Home Equity Loans
| APR | Terms |
| Fixed-Rate Home Equity Loan(1) | |
| 4.75% | Up to 85% of primary residence value for 60 months |
| 5.99% | Up to 85% of primary residence value for up to 180 months |
| 6.99% | Over 85% - 100% of primary residence value* |
| 5.99% | 75% of value for a vacation home, up to 180 months |
APR = Annual Percentage Rate
(1) Available on your primary or vacation residence in Washington. Minimum amount $5,000. Eligibility for loan products may be limited if you do not live in Washington State. Please contact us for details.
* less current mortgage, up to 180 months
(Also see EquityLine home equity line of credit)
RV/Boat and Leisure Vehicle Loans
| APR | Terms |
| New & Used RV & Boat* | |
| 4.99% - 10.49% | 80% financing |
| Up to $7,500: 66 months | |
| $7,501 and over: up to 120 months | |
| 5.49% - 10.99% | 100% financing |
| Up to $7,500: 66 months | |
| $7,501 and over: up to 120 months | |
| Leisure Craft & Vehicle** | |
| 8.74% - 14.24% | Up to $15,000, 48 months |
| 8.74% - 14.24% | $15,001 and over, 60 months |
APR = Annual Percentage Rate
*including tax and license and up to $1,000 extra
**100% financing including tax and license
Personal Loans
| APR | Terms |
| Savings Secured (may be used for any purpose) | |
| 2.29% | Up to 60 months |
| Member First | |
| 5.75% - 10.50% | $500-$10,000, 60 months |
| Professional Certification or Advanced Education Degree (usage restrictions apply**) | |
| 6.00% - 9.75% | Up to $15,000, 60 months |
| Collegian* (immediate family member may co-sign) | |
| 7.49% | Up to $2,500, 36 months |
| Elements(1)* | |
| 7.49% | $200-$500, 12 months |
| 7.49% | $501-$1,000, 15 months |
APR = Annual Percentage Rate
(1) Teens can qualify if they have a source of income, have been an Elements account holder in good standing for 90 days, and have a parent or guardian who will co-sign.
*.50% percent discount for direct deposit or payroll deduction is not available for these loans.
**Available to school employees who are pursuing an advanced degree in education. Please provide a copy of your admissions letter.
Lines of Credit
| APR | Terms |
| Visa® Credit Cards* | |
| 7.20% or 9.20% | Variable rate. Up to $20,000 |
| Visa® Elements Credit Card (teens) | |
| 9.20% | Variable rate. Up to $500 |
| Overdraft Protection(1) | |
| 10.00% | Variable rate. Up to $2,000 maximum credit limit |
| EquityLine** | |
| 5.00% | Variable rate. Up to 80% of primary residence value(2) |
APR = Annual Percentage Rate
(1) Variable-rate personal line of credit, which is subject to change. Minimum monthly payment is 3% of outstanding balance or $25, whichever is greater. May be used in increments of $100. Interest begins to accrue immediately.
(2) less any current liens. Loan amount from $10,000 to $150,000.
* Minimum monthly payment for all credit card types is 2% of the outstanding balance or $25, whichever is greater. The APR for which you may qualify is based on your credit qualifications.
** EquityLine's rate is adjusted four times a year by adding 3% to the 11th District Cost of Funds Index as reported at the end of the preceding quarter. EquityLine isn't eligible for our usual
one-half percent discount on loans repaid by direct deposit or payroll deduction. You may opt for interest-only payments for the first 10 years of your EquityLine and, pending approval, extend your draw period to 15 years. After your draw period ends, the line of credit converts to a loan in which you repay both principal and interest (with no further draws) for up to 15 years. The maximum APR that may apply over the life of the loan is 18.00%. Third party and credit union fees are estimated to be $0.00. Please consult your tax adviser for details on potential deductibility.
(Also see Fixed-Rate Home Equity Loan)
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