Explore Our Loan Rates

Whether you're looking to consolidate debt, make a big purchase, or fund a special project, our personalized service and flexible terms can help make it happen.
Apply for a Loan
Explore Loans

RATES EFFECTIVE STARTING: 3/01/2024

All Stated Annual Percentage Rates (APR) are the lowest rates available for qualified borrowers.
Actual rate may be higher based on creditworthiness.

New and Used Auto and Motorcycle

Product APR* Model Year Term
New & Used Auto** 6.28% <5 Years Up to 60 months
6.53% <4 Years Up to 72 months
6.78% <3 Years Up to 84 months ($25,000 minimum)
Older Model Used Auto 6.53%

6 Years

Up to 60 months
6.78% 7 Years Up to 60 months
8.28% 8-9 Years Up to 48 months
10.46% 10-11 Years Up to 48 months
New & Used Motorcycle 6.34% <6 Years Up to 60 months

AUTO LOANS

*LOAN AMOUNTS UP TO $100,000

**TERMS IN EXCESS OF 72 MONTHS REQUIRE A MINIMUM LOAN AMOUNT OF $25,000.

***NEW 2024 MODELS, UP TO 130% OF M.S.R.P. BASED ON CREDIT WORTHINESS.

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.


MOTORCYCLE LOANS

*LOAN AMOUNTS UP TO $40,000

**NEW 2024 MODELS, UP TO 125% OF M.S.R.P. BASED ON CREDIT WORTHINESS.

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.

First Time Borrower Vehicle

Product APR* Model Year Term
New & Used Auto** 10.24% <4 Years Up to 72 months
Older Model Used Auto 10.24%

6 Years

Up to 60 months
10.49% 7 Years Up to 60 months
11.99% 8-9 Years Up to 48 months

*LOAN AMOUNTS UP TO $25,000.

**UP TO 100% LOAN TO VALUE.

***BASED ON AMOUNT BORROWED, MODEL YEAR, AND CREDIT WORTHINESS.

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** 6.78% >25 Years Up to 60 months ($5,000 minimum)
6.78% >25 Years Up to 72 months ($10,000 minimum)

LOAN AMOUNTS UP TO $50,000

TERMS IN EXCESS OF 60 MONTHS REQUIRE A MINIMUM LOAN AMOUNT OF $10,000.

Used vehicles are based on industry valuation sources suggested retail price. Vehicle must be ready for titling & Registration for financing with Tidemark FCU.

New and Used Boat and RV / Motor-home

Product APR* Model Year Term
New/Used RV 6.34% <10 Years Up to 60 months
6.59% 61 to 72 months
7.09% 73 to 120 months (Minimum of $20,000)
New/Used Boat 6.34% Up to 60 months
6.59% 61 to 72 months
7.09% 73 to 120 months (Minimum of $20,000)

LOAN AMOUNTS UP TO $100,000

$5,000+ UP TO 84 MONTHS

$20,000+ UP TO 120 MONTHS

UP TO $50,000 MAX LTV 90%

$50,000 - $100,000 MAX LTV 80%

Minimum loan amount $5,000. Value based on book value, survey or dealer cost.

Off Road Program
(ATV, UTV, Personal Watercraft)

Product APR* Model Year Term
New/Used  8.51% <3 Years Up to 72 months
8.01% 3-6 Years Up to 36 months

*LOAN AMOUNTS UP TO $25,000

**TERMS IN EXCESS OF 36 MONTHS REQUIRE A MINIMUM LOAN AMOUNT OF $10,000.

*** MINIMUM FINANCED AMOUNT $2,000

Existing loans on new models will be financed using the MSRP for up to 90 days after purchase. Thereafter, they will be valued using Industry Valuation Guides. Used vehicles and prior year models sold as new are based on Industry Valuation Guides using the Suggested Retail Price. Maximum LTV includes any backend products.

Unsecured Loans

Product APR* Term Amount/Limit
Signature Line of Credit** As low as 13.75% 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 10.46% Up to 72 months $500 - $25,000

**Stated Annual Percentage Rate (APR) is the lowest rate available for qualified borrowers. Based on Prime Rate as of 10/01/2023

Share Secured Loans

Product APR* Term
Shared 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
Certified 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

SHARE SECURED

UP TO THE BALANCE IN THE PRIME SHARE AT THE TIME OF THE LOAN.



CERTIFICATE SECURED

UP TO THE BALANCE IN THE CERTIFICATE SHARE AT THE TIME OF THE LOAN

Ready to Take The Next Step
And Apply for A Loan?

LOAN RATES

Frequently Asked Questions

LOAN RATES

Frequently Asked Questions

Plus, You Get Access to Our Member Premium Benefits

Image

You Become a Member-Owner

We don't exist to enhance the wealth of our shareholders, we are member-owned. As a not-for-profit organization, we use our profits to increase Member benefits and support community causes.

Image

Your Money is Insured & Protected

Instead of being covered under FDIC, your deposits are covered under the National Credit Union Administration (NCUA), which insures deposits up to $250,000, the same amount as the FDIC. It’s a different name but the same function.

Image

Your Funds Are Easy to Access

With online and mobile banking, you have access to your account anytime and anywhere from your computer, smartphone, or tablet. Check your account balance, transfer funds, pay bills, and manage your finances easily without going to the bank.