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Loan Rates

Loan Rates

Rates effective as of August 8, 2019 and subject to change without notice.
Vehicles APR as Low as* Payment per $1,000 APR as Low as* Payment per $1,000 APR as Low as* Payment per $1,000
Cars, Trucks & Vans Model Year: 2015 & Newer Model Year: 2014 - 2011 Model Year: 2010 & Older
36 Month Term 2.49% $28.86 2.74% $28.97 3.24% $29.19
48 Month Term 2.74% $22.02 2.99% $22.13 3.49% $22.35
60 Month Term 2.99% $17.96 3.24% $18.08 3.74% $18.30
72 Month Term 3.49% $15.41 3.74% $15.53 4.24% $15.75
84 Month Term 3.99% $13.66 4.24% $13.78 4.74% $14.01
Vehicles APR as Low as* Payment per $1,000 APR as Low as* Payment per $1,000 APR as Low as* Payment per $1,000
Motorcycles Model Year: 2015 & Newer Model Year: 2014 - 2011 Model Year: 2010 & Older
48 Month Term 3.24% $22.24 3.49% $22.35 3.99% $22.57
60 Month Term 3.49% $18.19 3.74% $18.30 4.24% $18.53
72 Month Term 3.99% $15.64 4.24% $15.75 4.74% $15.98
84 Month Term 4.49% $13.90 4.74% $14.01 5.24% $14.25
Vehicles APR as Low as* Payment per $1,000 APR as Low as* Payment per $1,000 APR as Low as* Payment per $1,000
Jet Skis, WaveRunners, ATVs & Snowmobiles Model Year: 2015 & Newer Model Year: 2014 - 2011 Model Year: 2010 & Older
60 Month Term 4.24% $18.53 4.49% $18.64 4.99% $18.87
Vehicles APR as Low as* Payment per $1,000
Boats
60 Month Term 3.49% $18.19
72 Month Term 3.99% $15.64
84 Month Term 4.49% $13.90
120 Month Term 5.49% $10.85
Vehicles APR as Low as* Payment per $1,000 APR as Low as* Payment per $1,000 APR as Low as* Payment per $1,000
RVs Model Year: 2015 & Newer Model Year: 2014 - 2011 Model Year: 2010 & Older
60 Month Term 4.49% $18.64 4.74% $18.75 5.24% $18.98
72 Month Term 4.99% $16.10 5.24% $16.22 5.74% $16.45
84 Month Term 5.49% $14.37 5.74% $14.48 6.24% $14.72
Vehicles APR as Low as* Payment per $1,000
Aircraft‡
84 Month Term 4.99% $14.13





 
Home Improvement Loan APR as Low as* Payment per $1,000
48 Month Term 6.99% $23.94
60 Month Term 8.99% $20.75
72 Month Term 10.99% $19.03
Personal Loan APR as Low as* Payment per $1,000
48 Month Term 8.99% $24.88
60 Month Term 10.99% $21.74
72 Month Term 12.99% $20.07
Variable Rate APR
Share and Money Manager Secured 2.25%
Certificate Secured loans available at 2.00% over current certificate rates.
Line of Credit   APR
Line of Credit 10.90%
Flex-Line Home Equity APR as low as*
Variable Rate — 80% Loan-to-value (Max. 18% APR)  5.25%
Variable Rate — 90% Loan-to-value (Max. 18% APR) 6.75% 
Closing costs vary by state. The average cost is $300 but can range from $50 - $1800. Rates subject to change monthly.
Credit Cards APR as low as*
Member Rewards Visa Signature - The APR will vary with the market based on the Prime Rate. 14.95%
Member Cash Rewards Visa Signature - The APR will vary with the market based on the Prime Rate. 14.95%
Visa Platinum -The APR will vary with the market based on the Prime Rate. 8.90%

APR = Annual Percentage Rate.*Rates are based on an evaluation of your credit history and other factors, so your rate may differ. Rates assume a 0.25% discount for automatic recurring payments from a Wings Checking or Savings account and a 0.25% discount for payroll direct deposit(s) totaling over $300 into a Wings Checking or Savings account per month. All loans subject to approval. Speak to a loan officer for details.Rate applies to loans up to $50,000; ask about rate for larger loans.‡Rate applies to loans up to $100,000; ask about rate for larger loans.

Rates effective as of August 1, 2019 and subject to change without notice.
Cars, Trucks & Vans
 
Model Year: 2015 & Newer
 
Term:
APR as Low as*:
Payment per $1,000:
36 Month
2.49%
$28.86
48 Month
2.74%
$22.02
60 Month
2.99%
$17.96
72 Month
3.49%
$15.41
84 Month
3.99%
$13.66
 
 
Model Year: 2014 - 2011
 
Term:
APR as Low as*:
Payment per $1,000:
36 Month
2.74%
$28.97
48 Month
2.99%
$22.13
60 Month
3.24%
$18.08
72 Month
3.74%
$15.53
84 Month
4.24%
$13.78
 
 
Model Year: 2010 & Older
 
Term:
APR as Low as*:
Payment per $1,000:
36 Month
3.24%
$29.19
48 Month
3.49%
$22.35
60 Month
3.74%
$18.30
72 Month
4.24%
$15.75
84 Month
4.74%
$14.01
 
 
 
Motorcycles
 
Model Year: 2015 & Newer
 
Term:
APR as Low as*:
Payment per $1,000:
48 Month
3.24%
$22.24
60 Month
3.49%
$18.19
72 Month
3.99%
$15.64
84 Month
4.49%
$13.90
 
 
Model Year: 2014 - 2011
 
Term:
APR as Low as*:
Payment per $1,000:
48 Month
3.49%
$22.35
60 Month
3.74%
$18.30
72 Month
4.24%
$15.75
84 Month
4.74%
$14.01
 
 
Model Year: 2010 & Older
 
Term:
APR as Low as*:
Payment per $1,000:
48 Month
3.99%
$22.57
60 Month
4.24%
$18.53
72 Month
4.74%
$15.98
84 Month
5.24%
$14.25
 
 
 
Jet Skis, WaveRunners, ATVs & Snowmobiles
 
Model Year: 2015 & Newer
 
Term:
APR as Low as*:
Payment per $1,000:
60 Month
4.24%
$18.53
 
 
Model Year: 2014 - 2011
 
Term:
APR as Low as*:
Payment per $1,000:
60 Month
4.49%
$18.64
 
 
Model Year: 2010 & Older
 
Term:
APR as Low as*:
Payment per $1,000:
60 Month
4.99%
$18.87
 
 
 
Boats
 
Term:
APR as Low as*:
Payment per $1,000:
60 Month
3.49%
$18.19
72 Month
3.99%
$15.64
84 Month
4.49%
$13.90
120 Month
5.49%
$10.85
 
 
 
RVs
 
Model Year: 2015 & Newer
 
Term:
APR as Low as*:
Payment per $1,000:
60 Month
4.49%
$18.64
72 Month
4.99%
$16.10
84 Month
5.49%
$14.37
 
 
Model Year: 2014 - 2011
 
Term:
APR as Low as*:
Payment per $1,000:
60 Month
4.74%
$18.75
72 Month
5.24%
$16.22
84 Month
5.74%
$14.48
 
 
Model Year: 2010 & Older
 
Term:
APR as Low as*:
Payment per $1,000:
60 Month
5.24%
$18.98
72 Month
5.74%
$16.45
84 Month
6.24%
$14.72
 
 
 
Aircraft
 
Term:
APR as Low as*:
Payment per $1,000:
84 Month
4.99%
$14.13
 
 
 
Home Improvement Loan
 
Term:
APR as Low as*:
Payment per $1,000:
48 Month
6.99%
$23.94
60 Month
8.99%
$20.75
72 Month
10.99%
$19.03
 
 
 
Personal Loan
 
Term:
APR as Low as*:
Payment per $1,000:
48 Month
8.99%
$24.88
60 Month
10.99%
$21.74
72 Month
12.99%
$20.07
 
 
 
Variable Rate
 
Share and Money Manager Secured
APR:
2.25

Certificate Secured loans available at 2.00% over current certificate rates.

 
 
 
Line of Credit
 
Line of Credit
APR:
10.90%
 
 
 
Flex-Line Home Equity
 
Variable Rate
80% Loan-to-value (Max. 18% APR)
APR as low as*:
5.25%
 
 
Variable Rate
90% Loan-to-value (Max. 18% APR)
APR as low as*:
6.75%

Closing costs vary by state. The average cost is $300 but can range from $50 - $1800. Rates subject to change monthly.

 
 
 
Credit Cards
 
Member Rewards Visa Signature
The APR will vary with the market based on the Prime Rate.
APR as low as*:
14.95%
 
 
Member Cash Rewards Visa Signature
The APR will vary with the market based on the Prime Rate.
APR as low as*:
14.95%
 
 
Visa Platinum
The APR will vary with the market based on the Prime Rate.
APR as low as*:
8.90%
 
 
 

APR = Annual Percentage Rate.
*Rates are based on an evaluation of your credit history and other factors, so your rate may differ. Rates assume a 0.25% discount for automatic recurring payments from a Wings Checking or Savings account and a 0.25% discount for payroll direct deposit(s) totaling over $300 into a Wings Checking or Savings account per month. All loans subject to approval. Speak to a loan officer for details.
†Rate applies to loans up to $50,000; ask about rate for larger loans.
‡Rate applies to loans up to $100,000; ask about rate for larger loans.