Rates

Effective as of: 5/6/2026

Maximum Loan Amounts1
Loan Type	Loan Maximum
Auto, Truck, Boats and Motorcycles	$100,000.00
Recreational Vehicles and Large Boats	$100,000.00
Home Equity	$100,000.00
Unsecured (Signature Loan)	$6,000.00
Visa Credit Card	$5,000.00

Loan Rates
Effective Date: 5/6/2026
Loan Types	APR*	Down Required	Terms:
New auto, truck, and motorcycle, as low as	4.99%*	ZERO DOWN*	up to 48 months
New auto, truck, and motorcycle, as low as	5.19%*	ZERO DOWN*	up to 60 months
New auto, truck, and motorcycle, as low as	5.49%*	ZERO DOWN*	up to 72 months
New auto, truck, and motorcycle, as low as	5.49%*	ZERO DOWN*	up to 84 months

Used auto, truck, and motorcycle, as low as	5.29%*	ZERO DOWN*	up to 48 months
Used auto, truck, and motorcycle, as low as	5.39%*	ZERO DOWN*	up to 60 months
Used auto, truck, and motorcycle, as low as	5.79%*	ZERO DOWN*	up to 72 months
Used auto, truck, and motorcycle, as low as	5.79%*	ZERO DOWN*	up to 84 months

New snowmobile, ATVs, as low as	6.29%*	10% DOWN*	up to 84 months
Used snowmobile, ATVs, as low as	6.99%*	10% DOWN*	up to 60 months

New boats, as low as	5.79%*	ZERO DOWN*	up to 84 months
Used boats, as low as	6.29%*	ZERO DOWN*	up to 84 months

New Recreational Vehicles, as low as	5.79%*	5% DOWN*	up to 15 years
Used Recreational Vehicles, as low as	6.29%*	5% DOWN*	up to 15 years

Unsecured (signature),as low as	9.49%*	N/A	up to 36 months

VISA Credit Card	12.75%	N/A	N/A

* Interest rates and down payment are subject to borrower's credit history.

Home Equity Loans
MAXIMUM AMOUNT: $100,000.00
Loan To Value	Up to 5 Years	Up to 10 Years	Up to 15 Years
UP to 80%	5.39%	6.14%	6.44%
Up to 85%	5.89%	7.14%	7.44%
Borrower pays the cost of the appraisal if required.
NO CLOSING COSTS OR POINTS

Payment Example of $10,000.00 borrowed at 80% LTV
LOAN TERM	APR	PAYMENT
5 YEARS	5.39%	$190.5
10 YEARS	6.14%	$111.77
	NMLS EMCU 806317	EMCU Staff 806820	EMCU Staff 2377063