Loan Rates

Fixed Rate LoansApril 1, 2015
Loan Type1 APR As low As 2 Terms
New Auto3 1.39% 36 months
  1.59% 48 months
  1.99% 60 months
  2.49% 72 months
  3.49% 84 months
Used Auto4 1.89% 36 months
  2.09% 48 months
  2.49% 60 months
  2.99% 72 months
  3.99% 84 months
Harley Davidson Motorcycles 1.89% 36 months
  2.39% 48 months
  2.89% 60 months
  3.39% 72 months
  3.89% 84 months
New Motorcycle Loans (non Harley Davidson) 3 5.89% 36 months
  6.39% 48 months
  6.89% 60 months
  7.39% 72 months
  7.89% 84 months
Used Motorcycle Loans (non Harley Davidson) 4 6.49% 36 months
  6.99% 48 months
  7.49% 60 months
  7.99% 72 months
  8.49% 84 months
New Recreational Vehicle Loans 3 6.49% 36 months
  6.99% 48 months
  7.49% 60 months
  7.99% 72 months
  8.49% 84 months
Used Recreational Vehicle Loans 4 6.99% 36 months
  7.49% 48 months
  7.99% 60 months
  8.49% 72 months
  8.99% 84 months
New Boat Loans 3 5.99% 36 months
  6.49% 48 months
  6.99% 60 months
  7.49% 72 months
  7.99% 84 months
Used Boat Loans4 6.99% 36 months
  7.49% 48 months
  7.99% 60 months
  8.49% 72 months
  8.99% 84 months
Personal Loan (unsecured, bill consolidation, signature)5 6.99% 36 months
  7.39% 48 months
  8.99% 60 months
  9.49% 72 months
  9.99% 84 months
1Existing Andrews Federal loans cannot be refinanced unless you are financing an additional amount of $5,000 or more plus the existing loan balance. Subject to credit and, when applicable, collateral approval.
2APRs (Annual Percentage Rate) listed are the lowest available rates. Rates, terms and conditions vary based on creditworthiness and qualifications and are subject to change.
3New vehicles are vehicles that not been previously titled.
4Used vehicles are vehicles that have been previously titled, regardless of the model year.
5For Personal Loans of amounts under $5,000, there is a 48 month maximum term. For Personal Loans of terms greater than 60 months, there is a $10,000 minimum loan amount. Personal Loan terms cannot exceed 84 months.
Unsecured Lines of CreditApril 1, 2015
Loan Type APR1 Monthly Payment
Overdraft Line of Credit As low as 14.00% 3% of outstanding balance; minimum $30.
Unsecured Line of Credit As low as 10.00% 3% of outstanding balance; minimum $30.
1APR = Annual Percentage Rate. APR is variable and is based on the Wall Street Journal Prime Rate plus a margin of 3.5% or 7.5%. Rates subject to change each quarter.
Share/CD Secured RateApril 1, 2015
Loan Type Repayment Terms APR Conditions
Certificate Secured 12 months or Certificate maturity date, whichever is shorter. Certificate rate plus 3.00%1 Shares within a Certificate are pledged for the loan. The amount of the loan can be 100% of the amount in the certificate. The loan term is a maximum of 12 months or the maturity date of the certificate, whichever is sooner.
Shares Secured Up to 144 months Share rate plus 3.00%2 Minimum monthly payment of $30. The amount of the loan can be 100% of the amount held in share account.
1Fixed rate certificates only. IRA and First Step certificates cannot be pledged as collateral.
2This is a variable rate product; APR may be adjusted quarterly. Rate is determined by adding 3.00% to the share dividend rate as of the first of the month in January, April, July, and October.
Home Equity Loans (Owner Occupied)April 1, 2015
Term APR (as low as)1 Minimum Loan Amount Monthly Payment Per Every $1,000 Borrowed Maximum Loan to Value
72 months 4.49% $5,000 $13.90 90%
120 months 4.99% $5,000 $10.60 90%
144 months 5.49% $5,000 $9.50 90%
180 months 6.49% $5,000 $8.71 90%
180 months 3.49% $5,000 $7.15 80%
1Fixed rates available as low as 4.49 % APR (Annual Percentage Rate) for owner occupied properties with terms up to 180 months. Additional rates and terms are available; rates, terms and conditions vary based on creditworthiness and qualifications and are subject to change. To qualify, there must be no other liens/mortgages secured by the property being used as collateral. Subject to credit and property approval. Minimum loan amount is $5,000. Maximum loan amount will be based on the amount of equity available, based on the appraised value of your home (loans with a loan-to-value ratio of 90% or more are limited to a maximum of $200,000). Appraisal is required – fee is paid upfront and is non-refundable. Closing costs vary and will depend on the location of the property and the amount of the loan. Property insurance is, and flood insurance may be, required. Consult your tax advisor regarding the deductibility of interest. Additional restrictions may apply. Payment examples do not include taxes or insurance premiums, your actual payment may be higher. Escrow account may be required. Rates and APRs are subject to change without notice.
Home Equity Lines of Credit - Variable RateApril 1, 2015
Line Amount APR1 Maximum Loan to Value
$25,000 - $350,000 Prime minus 0.50%
As low as 4.00% APR1
95%2
1Upon expiration of the introductory rate, all balances will accrue interest at the variable APR (Annual Percentage Rate) in effect for your account. Variable rate is based on The Wall Street Journal Prime Rate plus/minus a margin, adjusted quarterly. The minimum APR is 4.00% with a maximum APR of 18.00%. Subject to credit and property approval. Minimum loan amount is $25,000. Maximum loan amount will be based on the amount of equity available, based on the appraised value of your home (loans with a loan-to-value ratio of 90% or more are limited to a maximum $200,000 credit line). Rates, terms and conditions vary based on creditworthiness and qualifications and are subject to change. Property insurance is, and flood insurance may be, required. Consult your tax advisor regarding the deductibility of interest. Additional restrictions may apply. Rates and APRs are subject to change without notice.

couple with advisor

Apply Now