Search
Close this search box.

LOANS

WE ARE HERE TO HELP WITH GREAT RATES

Whether you need a car, boat, motorcycle, RV, or even just a personal loan, we offer great rates and flexible terms. Applying for a loan is quick and easy!

Motorcycles & ATVs

Boats & RVs

Home Equity Line of credit

Debt Consolidation Loan

Savings Secured Loan

NEW AUTO

as low as

0 %APR*

USED AUTO

as low as

0 %APR*

VISA CREDIT CARD

as low as

0 0%APR*

Loan Rates

New Autos​

TERMS APR* As Low As
1 - 36 Months 6.49%
37 - 60 Months 6.74%
61 - 72 Months 6.99%
73 - 84 Months 7.44%

Used Autos

TERMS APR* As Low As
1 - 36 Months 6.99%
37 - 60 Months 7.49%
61 - 72 Months 7.99%
73 - 84 Months 8.49%

*We offer a relationship discount of 0.25% on auto loans for members with other existing and previous SMW 104 FCU loan.

New Motorcycles, Dirt Bikes

TERMS APR* As Low As
1 - 24 Months 7.24%
25 - 36 Months 7.49%
37 - 48 Months 7.74%
49 - 60 Months 7.99%
61 - 72 Months 8.24%
73 - 84 Months 8.74%

Used Motorcycles, Dirt Bikes

TERMS APR* As Low As
1 - 24 Months 7.74%
25 - 36 Months 7.84%
37 - 48 Months 8.24%
49 - 60 Months 8.74%
61 - 72 Months 8.99%
73 - 84 Months 9.24%

New Boats, Sail Boats, Boat Trailers, Jet Skies, Wave Runners, ATVs, UTVs

TERMS APR* As Low As
1 - 36 Months 7.25%
37 - 48 Months 7.41%
49 - 60 Months 8.00%
61 - 72 Months 8.24%
73 - 84 Months 8.74%
85 - 120 Months 9.74%

Used Boats, Sail Boats, Boat Trailers, Jet Skies, Wave Runners, ATVs, UTVs

TERMS APR* As Low As
1 - 36 Months 7.99%
37 - 48 Months 8.24%
49 - 60 Months 8.50%
61 - 72 Months 8.74%
73 - 84 Months 9.24%
85 - 120 Months 10.24%

New RVs, Motor Homes, Travel Trailers, 5th Wheel Trailers

TERMS APR* As Low As
1 - 36 Months 7.74%
37 - 48 Months 8.00%
49 - 60 Months 8.24%
61 - 72 Months 8.74%
73 - 84 Months 9.00%
85 - 120 Months 9.24%
121 - 180 Months 9.74%

Used RVs, Motor Homes, Travel Trailers, 5th Wheel Trailers

TERMS APR* As Low As
1 - 36 Months 7.99%
37 - 48 Months 8.24%
49 - 60 Months 8.50%
61 - 72 Months 9.00%
73 - 84 Months 9.24%
85 - 120 Months 9.74%
121 - 180 Months 10.00%

Personal Loans

TERMS APR* As Low As
1 - 12 Months 9.70%
13 - 24 Months 10.24%
25 - 36 Months 10.74%
37 - 48 Months 11.24%
49 - 60 Months 12.24%

Savings Secured

TERMS APR* As Low As
1 - 60 Months 3.00%

HELOC

TERMS APR* As Low As
1 - 180 Months 9.00%

Visa Classic

10.5% APR
No Annual Fees, No Balance Transfer Fees, No Cash Advance Fees

Click here for the Visa Classic Credit Card Disclosure

Please call (800) 464-5987 for all current rates, terms and fees.

*APR – Annual Percentage Rate.

For all loans, the actual percentage rate is determined at the time a credit decision is rendered and may be higher than the lowest rates available. Credit history, loan terms, mileage, age of collateral, and the amount borrowed are all factors that determine the rate. Not all borrowers will qualify for the lowest rate. There are no pre-payment penalties for repaying your loan early. All loans are subject to credit approval with the exception of Savings Secured Loans.

Accessibility