Rates
VEHICLE LOAN RATES
1 Rates are determined by your personal credit history and payment method, so your rate may differ. 2 Auto Price CANNOT exceed NADA Value. Auto Loans NOW INCLUDE tax, registration, or other fees. 3 Used Cars maximum term is 6 years. Other restrictions may apply. 4 Rates include 0.25% reduction for automatic payments made from your Motion account. |
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| Product | Years | Payroll Deduct APR1 | Coupon Book APR1 | Terms2 |
|---|---|---|---|---|
| New Auto | Up to 2 | 1.65% | 100% Purchase Price | |
| New Auto | Up to 3 | 1.75% | 100% Purchase Price | |
| New Auto | Up to 4 | 1.85% | 100% Purchase Price | |
| New Auto | Up to 5 | 2.05% | 100% Purchase Price | |
| New Auto | Up to 6 | 2.55% | 100% Purchase Price | |
| New Auto | Up to 7 | 3.35% | 100% Purchase Price | |
| Used Auto | Up to 2 | 1.95% | 100% Purchase Price | |
| Used Auto | Up to 3 | 2.05% | 100% Purchase Price | |
| Used Auto | Up to 4 | 2.25% | 100% Purchase Price | |
| Used Auto | Up to 5 | 2.45% | 100% Purchase Price | |
| Used Auto | Up to 6 | 3.45% | 100% Purchase Price | |
| Boat / RV / Airplane | Up to 20 | As low as 4.45% | Flexible terms | |
Rates subject to change at any time.
PERSONAL LOAN RATES
1 Rates are determined by your personal credit history and payment method, so your rate may differ. 2 Rates include 0.25% reduction for automatic payments made from your Motion account. |
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| Product | Years | Payroll Deduction APR1 | Coupon Book APR1 | Terms |
|---|---|---|---|---|
| Personal Loan | Up to 2 | 6.45% | Max $20,000 | |
| Personal Loan | Up to 3 | 7.65% | Max $20,000 | |
| Personal Loan | Up to 4 | 8.45% | Max $20,000 | |
| Personal Loan | Up to 5 | 9.15% | Max $20,000 |
Rates subject to change at any time.
OTHER LOAN RATES
1 Rates are determined by your personal credit history and payment method, so your rate may differ. |
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| Product | Years | Rate APR1 | Terms |
|---|---|---|---|
| CREDIT CRUNCHER (Debt Consolidation) | Up to 4 | 8.60% | Max $20,000 |
Rates subject to change at any time.
SHARE / STOCK SECURED RATES
1 Rates are determined by your personal credit history and payment method, so your rate may differ. 2 Rates include 0.25% reduction for automatic payments made from your Motion account. |
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| Product | Years | Payroll Deduct APR1 | Coupon Book APR1 | Terms |
|---|---|---|---|---|
| Share Secured | Up to 2 | 1.55% | 100% Savings | |
| Share Secured | Up to 3 | 2.25% | 100% Savings | |
| Share Secured | Up to 4 | 2.55% | 100% Savings | |
| Share Secured | Up to 5 | 3.25% | 100% Savings | |
| Share Secured | Up to 6 | N/A | 100% Savings | |
| Share Secured | Up to 7 | N/A | 100% Savings | |
| Stock Secured | 5.25% |
Rates subject to change at any time.
EDUCATION LOAN RATES
1 Rates are determined by your personal credit history and payment method, so your rate may differ. |
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| Maximum Amount | Rate (APR1) | Type | Repayment Term | Notes |
|---|---|---|---|---|
| $20,000 | Prime + 1/2% | 1 Year Variable | 5 Years | Payable to school only |
Rates subject to change at any time.
SAVINGS PRODUCTS RATES
1 APY = Annual Percentage Yield |
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| Product | Dividend Rate | APY1 |
|---|---|---|
| REGULAR SHARE (Savings) | 0.010% | 0.0100% |
| SHARE DRAFT (Checking) | 0.005% | 0.0050% |
| CLUB MOTION (Holiday, Vacation, ME) | 0.050% | 0.0500% |
| IRA | 0.150% | 0.1501% |
| MONEY MARKET (Tier II; $2,501 – $50,000) | 0.100% | 0.1000% |
| MONEY MARKET (Tier III; $50,000+) | 0.150% | 0.1501% |
| 3-5 MONTH SHARE CERTIFICATE | 0.07% | 0.0700% |
| 6-11 MONTH SHARE CERTIFICATE | 0.10% | 0.1001% |
| 12-17 MONTH SHARE CERTIFICATE | 0.15% | 0.1501% |
| 18-23 MONTH SHARE CERTIFICATE | 0.20% | 0.2002% |
| 24-35 MONTH SHARE CERTIFICATE | 0.30% | 0.3004% |
| 36-47 MONTH SHARE CERTIFICATE | 0.40% | 0.4007% |
| 48-59 MONTH SHARE CERTIFICATE | 0.50% | 0.5011% |
| 60 MONTH SHARE CERTIFICATE | 0.60% | 0.6017% |
| IRA 6-11 MONTH SHARE CERTIFICATE | 0.25% | 0.2503% |
| IRA 12-17 MONTH SHARE CERTIFICATE | 0.35% | 0.3506% |
| IRA 18-23 MONTH SHARE CERTIFICATE | 0.45% | 0.4509% |
| IRA 24-35 MONTH SHARE CERTIFICATE | 0.55% | 0.5514% |
| IRA 36-47 MONTH SHARE CERTIFICATE | 0.65% | 0.6519% |
| IRA 48-59 MONTH SHARE CERTIFICATE | 0.75% | 0.7526% |
| IRA 60 MONTH SHARE CERTIFICATE | 0.85% | 0.8533% |
Rates subject to change at any time.
CREDIT CARD RATES
1 Rates are determined by your personal credit history and payment method, so your rate may differ. |
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| Product | Payroll Deduct APR1 | Coupon Book APR1 | Terms |
|---|---|---|---|
| POWER VISA® -Low Rate | Visit “Cards” page for rates. | Visit “Cards” page for rates. | Max $25,000 |
| POWER VISA® with Rewards | Visit “Cards” page for rates. | Visit “Cards” page for rates. | Max $25,000 |
