Skip to main content

Loan Rates

Auto
Terms Rates As Low As
Up to 36 Months 5.89% APR*
37 to 48 Months 5.89% APR*
49 to 60 Months 6.09% APR*
61 to 72 Months 6.29% APR*
73 to 84 Months 7.69% APR*

New (Current Auto Year Model Vehicles 2025/2026) with less than 12,000 miles qualify for an additional 0.40% rate reduction.

Boats and RV's
Terms Rates As Low As
Up to 48 Months 8.18% APR*
49 to 60 Months 9.33% APR*
61 to 72 Months 9.83% APR*
73 to 96 Months 10.59% APR*
97 to 144 Months 11.83% APR*
145 to 180 Months 13.51% APR*
Other Collateral
Terms Rates As Low As
Up to 48 Months 8.68% APR*
49 to 60 Months 9.13% APR*
61 to 72 Months 9.33% APR*
73 to 96 Months 9.83% APR*
97 to 144 Months 11.83% APR*

Rates effective as of 9/25/2025.

*APR = Annual Percentage Rate.

1 Buy your rate down further with additional Coverage Protection Plans (available for Auto, Recreational and Personal loans only.) 

APR=Annual Percentage Rate. Rates are subject to change without notice. Each application is evaluated on an individual basis. Loan advances are granted based upon the applicant(s) credit history, ability to repay, purpose, stability and collateral. Loan advances are not granted based upon method of repayment APR=Annual Percentage Rate as low as 5.13% APR is for terms up to 36 months and includes the following discounts: (1) 0.25% for current deposit account with direct deposit and auto transfer, (2) 0.30% Involuntary Unemployment, Life & Disability, (3) 0.20% Mechanical Breakdown, (4) 0.05% Guaranteed Asset Protection, (5) 0.05% Multi-shield Protection. Not valid with any other offers. Stated rates reflect all available discounts. Not valid with any other offers. For qualified borrowers. Credit restrictions apply. For every $1,000 financed for 36 months, the payment would be $30.03 at 5.13% APR. Membership and approved credit required. Actual rate may vary based on credit worthiness and other Carter underwriting guidelines.

Airplanes
Terms Rates As Low As
Up to 60 Months 6.28% APR*
61 to 96 Months 7.14% APR*
97 to 144 Months 7.34% APR*
145 to 180 Months 8.20% APR*

Rates effective as of 4/17/2025

*APR = Annual Percentage Rate.

APR=Annual Percentage Rate. Rates are subject to change without notice.  Membership and approved credit required. 

Home Equity Line of Credit
Type Terms
Variable Up to 15 years
Fixed Up to 15 years

Please call 1-800-367-5026 for current rates and terms. 

Credit Cards
Type APR*
Visa Platinum

11.50% to 17.80% APR*
Visa Platinum with Rewards 13.50% to 16.50% APR*
Share Secured Visa 8.00% APR*

* minimum payment is 3% APR or $25 whichever is greater. APR = Annual Percentage Rate.

Personal Loans
Term Rate Maximum Amount
up to 60 Months 11.05% - 17.74% APR* $35,000
Line of Credit
Term Rate Maximum Amount
Revolving Variable Rate $25,000
Shared/Certificate Loans
Term Rate Maximum Amount
Share Loan Up to 60 months Variable rate = 2.25% above dividend
Share Loan 61 – 120 months Variable rate = 2.50% above dividend
Certificate Loan Up to 60 months Rate is equal to 2.00% above certificate dividend
Certificate Loan 61 – 120 months Rate is equal to 2.00% above certificate dividend

*APR = Annual Percentage Rate.

Rates are effective as of 9/25/2025

Carter offers a wide selection of mortgage products with competitive rates. We look forward to serving your mortgage needs and are excited about partnering with you in this important purchase.