Loan Rates

APR = Annual Percentage Rate. Actual Rates and APRs may vary based on credit history. Rates and APRs are subject to change at any time without notice. This is not an advertisement to extend consumer credit as defined by Sec. 226.2 of regulation Z, nor is it an offer to enter into an interest rate or discount point agreement which may only be made pursuant to subdivisions 3&4 of Sec 47.206 of the Minnesota Statutes. All loans must be approved prior to locking.

Auto & Motorcycle
Interest rate subject to credit worthiness. New vehicle financed up to 100% of the purchase price, used up to 100% NADA retail including options. Includes tax, license & extended warranty for qualified borrowers. Term limits may apply. Example payment - A loan of $15,000 for a term of 36 months at 3.99% APR results in monthly payments of $443.52.

Boat/Recreational Vehicle
Recreational vehicles includes boats, motors, trailers, conversion vans and travel trailers. Rate can vary based on term and creditworthiness, and is subject to change. Extended terms available for loan amounts over specified dollar amounts. Example payment - A loan of $15,000 for a term of 36 months at 4.99% APR results in monthly payments of $450.38.

15 Year Rapid Refi Mortgage
Closing cost offer for mortgage refinances only. Appraisal fee will vary and is the responsibility of the applicant if the loan is not consummated. Total savings may vary. Payments do not include applicable taxes and insurance, so actual obligation will be greater. $999 closing cost offer good for loans up to $200,000. Loans above $200,000 up to $647,200 closing cost is $1,250. Rates can change daily. Payment example: A $100,000 mortgage rate of 5.49% for 15 years would have a principal and interest payment of $816.55. Assuming 80% Loan to Value, the resulting APR would be 5.645%. New Money Only. Minimum loan amount of $25,000.

Home Equity Loans - Fixed Rate
APR=Annual Percentage Rate. APR ranges from 5.99% to 18.00%. Actual rate based on applicant’s credit qualifications, collateral, and loan term. Maximum term available is 240 months. Minimum loan amount is $25,000. No closing costs. Member is responsible for cost of appraisal regardless of completion of loan. Appraisal fees may range from $102 - $1,000 depending upon location. Payment per $10,000, 80% Loan-To-Value is approximately $111.25 at 5.99% APR for 120 months, $73.24 at 6.24% APR for 240 months, and 90% Loan-To-Value is approximately $79.29 at 7.25% APR for 240 months. Rates subject to change at any time. Other restrictions may apply. Contact us for additional details.

Home Equity Lines of Credit (HELOC)
APR=Annual Percentage Rate. The Lockable HELOC has both variable and fixed rate advance options. Minimum loan amount to convert HELOC to fixed is $5,000. Rate may vary based on Wall Street Journal (WSJ) Prime Rate plus disclosed margin, applicants credit qualifications, and collateral. Rate floor is 4% and will not exceed 18%. Lockable rate is based on available 20 year Fixed Home Equity 80% Equity rate. Payment is the greater of 1% of outstanding balance or $50. No closing costs. Member is responsible for cost of appraisal regardless of completion of loan. Appraisal fees may range from $102 - $1,000 depending upon location. Rates subject to change at any time. Other restrictions may apply. Contact us for additional details.

Credit Cards - Platinum & Platinum Rewards
APR may increase or decrease based on certain credit worthiness, not to exceed 18% APR. Cash advance fee is 2% or a $2 minimum. Foreign Transaction fee is 1% of each transaction in U.S. dollars. See Mastercard Credit Card Terms & Conditions for complete details.

Personal Loans
Checking and Personal Line of Credit: No pre-determined loan term.
Savings Secured: Loan terms range from 0 to 36 months.
Personal Loans: Loan terms range from 0 to 48 months with a maximum annual percentage rate (APR) of 18.00%. Rate determined by creditworthiness and other loan criteria.