Loan Rates
Loan Rates
RATES EFFECTIVE STARTING: 2/1/2023
What plans do you have in mind? When you need a personal loan to achieve them, turn to us. We're eager to lift up members in Delaware, Maryland and beyond by providing competitively low loan rates.
New and Used Auto and Motorcycle
| Product | APR* | Model Year | Term |
|---|---|---|---|
| New & Used Auto** | 5.15% | <5 Years | Up to 60 months |
| 5.40% | <4 Years | Up to 72 months | |
| 5.65% | <3 Years | Up to 84 months ($25,000 minimum) | |
| Older Model Used Auto | 5.40% | 6 Years | Up to 60 months |
| 5.65% | 7 Years | Up to 60 months | |
| 7.15% | 8-9 Years | Up to 48 months | |
| 9.88% | 10-11 Years | Up to 48 months | |
| New & Used Motorcycle | 5.76% | <6 Years | Up to 60 months |
* Stated Annual Percentage Rate (APR) is the lowest rate available for qualified members. Actual rate may be higher based on creditworthiness.
** New 2023 models, up to 130% of M.S.R.P. based on creditworthiness. Other rates and terms available for vehicles over 6 years. Terms in excess of 72 months require a minimum loan amount of $25,000.
Existing loans on new models will be refinanced using the M.S.R.P. for up to 90 days after purchase. Thereafter, they will be financed based on industry valuation sources.
Used vehicles and prior year models sold as new are based on industry valuation sources suggested retail price up to 130% loan to value based on creditworthiness.
First Time Borrower Vehicle
| Product | APR* | Model Year | Term |
|---|---|---|---|
| New & Used Vehicles | 8.86% | <5 Years | Up to 60 months |
| 9.11% | <5 Years | Up to 72 months | |
| Older Model Used Auto | 9.11% | 6 Years | Up to 60 months |
| 9.36% | 7 Years | Up to 60 months | |
| 10.86% | 8-9 Years | Up to 48 months |
*Stated Annual Percentage Rate (APR) is the lowest rate available for qualified borrowers. Max Loan amount up to $25,000. Up to 100% LTV based on amount borrowed, model year, and creditworthiness. Model year and max term: <9 years up to 48 months; <7 years up to 60 months; <4 years up to 72 months. Used vehicles and prior year models sold as new are based on industry valuation sources suggested retail price. New vehicles based on M.S.R.P.
Classic Auto
| Product | APR* | Model Year | Term |
|---|---|---|---|
| Classic Auto** | 5.65% | > 25 Years | Up to 60 months ($5,000 minimum) |
| 5.65% | > 25 Years | Up to 72 months ($10,000 minimum) |
* Stated Annual Percentage Rate (APR) is the lowest rate available for qualified members. Actual rate may be higher based on creditworthiness.
** Up to 100% based on Industry valuation sources depending on creditworthiness. Minimum age of Classic auto 25 years. Restoration must remain consistent with the way the car was originally built. Tidemark will require images of the vehicle to verify it is not currently in the restoration phase. Vehicle must be ready for titling & registration to satisfy Tidemark lien requirements for financing.
New and Used Boat and RV / Motor-home
| Product | APR* | Model Year | Term |
|---|---|---|---|
| New/Used RV | 5.76% | <10 Years | Up to 60 months |
| 6.01% | 61 to 72 months | ||
| 6.51% | 73 to 120 months (Minimum of $20,000) | ||
| New/Used Boat | 5.76% | Up to 60 months | |
| 6.01% | 61 to 72 months | ||
| 6.51% | 73 to 120 months (Minimum of $20,000) |
*Stated Annual Percentage Rate (APR) is the lowest rate available for qualified borrowers. Actual rate may be higher based on creditworthiness. $5,000 and up to 84 months. $20,000 up to 120 months.. Maximum LTV is 90%, for loan amounts up to $50,000. Maximum LTV is 80% for loans amounts over $50,000 to $100,000. Minimum loan amount $5,000. Value based on book value, survey or dealer cost.
Unsecured Loans
| Product | APR* | Term | Amount / Limit |
|---|---|---|---|
| VISA Platinum | 12.25% (Rate is based on Prime + 4.75% adjusted quarterly) | $25 or 2% of balance monthly, 25-day grace period on purchases | $500 - $25,000 |
| Student VISA | 12.25% (Rate is based on Prime + 4.75% adjusted quarterly) | $25 or 2% of balance monthly, 25-day grace period on purchases | $500 - $1,000 |
| VISA Platinum Secured** | 7.50% Prime adjusted quarterly. | $25 or 2% of balance monthly, 25-day grace period on purchases | $500 - $25,000 |
| Student VISA Secured** | 7.50% Prime adjusted quarterly. | $25 or 2% of balance monthly, 25-day grace period on purchases | $250 - $2,500 |
| First Time Borrower Visa Platinum** | 18.00% Prime + 11.70% adjusted quarterly. | $25 or 2% of balance monthly, 25-day grace period on purchases | Up to $500 |
| Signature Line of Credit*** | As low as 12.75% Prime + 5.25% adjusted monthly | Minimum monthly payment due is 2.25% of outstanding balance or $50, whichever is greater | $500 - $25,000 |
| Signature Closed End Installment ($500 - $25,000) | As low as 9.88% | Up to 72 months | $500 - $25,000 |
* Stated Annual Percentage Rate (APR) is the lowest rate available for qualified borrowers. Actual rate may be higher based on creditworthiness.
** Requires pledge of prime shares equal to 120% of the credit limit.
***Stated Annual Percentage Rate (APR) is the lowest rate available for qualified borrowers. Based on Prime Rate as of 1/1/2023
****Stated Annual Percentage Rate (APR) for Visa Credit Card is the lowest rate available for qualified borrowers. Based on Prime Rate as of 1/1/2023
Share Secured Loans
| Product | APR* | Term |
|---|---|---|
| Share Secured | Share Rate + 3.00% | For loan amounts up to $100,000 terms available up to 10 years For loan amounts $100,000 or more terms up to 15 years |
| Certificate Secured | Share Rate + 3.00% | For loan amounts up to $100,000 terms available up to 10 years For loan amounts $100,000 or more terms up to 15 years |