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Rates & Fees

Loan Rates

Effective January, 2019

Loan Type Lowest Rate APR*
First Mortgage Check Rates
Unsecured (Signature) 6.99%
Visa Platinum (variable rate) 8.49%
Visa Classic 11.88% - 15.00%
Overdraft Protection 15.00 %
Certificate Secured Certificate Rate + 3.00%
Share Secured Share Rate + 3.00%
Vehicle 24 Months (New/Used) 2.39% - 17.15% (Based on Credit Score)
Vehicle 36 Months (New/Used) 2.39% - 17.60% (Based on Credit Score)
Vehicle 48 Months (New/Used) 2.39% - 18.00% (Based on Credit Score)
Vehicle 60 Months (New) 2.39% - 18.00% (Based on Credit Score)
Vehicle 72 Months (New) 2.54% - 5.59% (Based on Credit Score)

*APR = Annual Percentage Rate

Rates are subject to change without notice.

Actual rates may vary based on credit score of individual applicants.
Add 1.50% for used automobiles over 2 model years old without an extended warranty.

These rates apply to loans repaid with direct deposit. If a loan is repaid without direct deposit, the next higher rate will apply.

Visa platinum credit cards have an annual percentage rate cap of 10.90%


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Member Services: 202-876-2121 (M-F) • Loans: 202-219-1924 • Fax: 202-208-4023
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P.O. Box 27559, Washington, D.C. 20038-7559 • Routing Number: 254074662