Home Improvement
A home improvement loan provides fixed terms for members who want to improve or repair their home or property with limited closing costs.
Pre-Payment Penalty
None
Benefits
Same Rate for All Credit Scores
Fastest Turnaround in Town
Up to 133% Loan to Value (CLTV)
Borrow Up to $250,000
No Pre-Payment Penalty
No Application Fee
No Annual Fee
Unlocks Thanku Discount Elibigility
Interest Rate
Fixed
Term
Up to 20 Years
Loan Limit Amount
Up to $250,000
Maximum Loan to Value (CLTV)
133%
RATES
thanku loyalty discounts
|
Annual Percentage Rate (Fixed) |
Thanku Loyalty Discounts2 |
Auto, Truck, Motorcycle1
|
24 months
|
6.500%
|
|
25-36 months
|
7.000%
|
|
37-48 months
|
7.500%
|
|
49-60 months
|
7.750%
|
|
61-72 months
|
8.250%
|
|
73-84 months
|
8.500%
|
|
Promotional Discount Available!
Discounts can be used individually or combined together for up to 2.00% off published rates.
|
680+ Credit Score |
-1.00% |
|
Refinance from Another Lender |
-1.00% |
|
Active Home Equity |
-1.00% |
|
College or Trade School Student |
-0.50% |
|
Active Checking or Money Market |
-0.50% |
|
New Member Discount |
-0.50% |
|
10+ Years of Membership |
-0.50% |
|
5+ Years of Membership |
-0.25% |
|
Automatic Payment Transfer |
-0.25% |
|
Payment Protection |
-0.25% |
Get Started
Payment Calculator
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Boats & Recreational Vehicles3
|
Outdoor Activity Vehicles4
ATV, UTV, Snowmobile, Personal Watercraft
|
Personal Unsecured5
|
Home Improvement6
|
Up to 36 months |
8.25% |
|
37-48 months |
8.50% |
|
49-60 months |
8.75% |
|
61-72 months |
9.00% |
|
73-84 months |
10.25% |
|
VARIABLE RATE FIXED PAYMENT LOANS
Enjoy a low variable rate with the security of a fixed payment that will not change. It's our way of helping you get the lowest payment possible so you can afford more of what you need.
|
|
Annual Percentage Rate
(Variable Rate/Fixed Payment)7 |
Auto, Truck, Motorcycle
Up to 84 months8
|
Introductory APR* First 6 Months
0.99%
After Introductory Period
Prime + 1.00% |
Boat & Recreational Vehicle
Up to 120 months9
|
Introductory APR* First 6 Months
4.50%
After Introductory Period
Prime + 3.00% |
Outdoor Activity Vehicle
ATV, UTV, Snowmobile, Waverunner & more!
Up to 60 months
|
Introductory APR* First 6 Months
4.50%
After Introductory Period
Prime + 4.00% |
Personal Unsecured
Up to 60 months
|
Introductory APR* First 6 Months
4.50%
After Introductory Period
Prime + 6.00% |
|
|
Annual Percentage Rate |
Personal Line of Credit (Overdraft Protection)10
Term: Revolving
|
Prime + 6.00%11 |
Savings Secured Line of Credit12
Term: Revolving
|
Share Rate + 1.50%13 |
LOAN RATES
|
|
Annual Percentage Rate |
Teacher Assistance Loan14
Term: Up to 9 months
|
0.00% |
Certificate of Deposit Secured Loan15
Term: Certificate Term
|
Certificate Rate + 3.00% |
Share Secured Loan
Term: Up to 60 months
|
Share Rate + 1.50%13 |
Tuition Loan16
Term: Up to 120 months
|
Prime + 2.00%11 |
Undergraduate Student Loan Programs
|
Click for Details |
REAL-ESTATE LOANS
|
|
Annual Percentage Rate |
Mortgages
Conventional
Adjustable Rate (ARM)
Federal Housing Administration (FHA)
Veteran Affairs (VA)
United States Department of Agriculture (USDA)
Additional programs also available!
|
Click for Rates |
Home Equity Line of Credit
Term: Up to 20 years
Draw Period: 10 years (included in repayment)
Loan to Value (LTV): 80%
|
Introductory Period
First 12 Months
5.50%
After Introductory Period
Prime + 1.00%17
|
Term: Up to 20 years
Draw Period: 10 years (included in repayment)
Loan to Value (LTV): 100% |
Prime + 2.50%11 |
Home Equity Loan
Term: Up to 15 years
Loan to Value (LTV): 80%
|
6.99%18 |
Term: Up to 20 years
Loan to Value (LTV): 100% |
9.75%19 |
Home Improvement
Up to 20 years
Loan to Value (LTV): 133%
|
11.00%20 |