Loan Rates


Consumer Loans

Please use the calculators to estimate your actual payment. Monthly payments shown represent interest paid per $1,000 borrowed at that rate and term. APR* means annual percentage rate. The minimum loan amount is $2,500, financing is available to qualified applicants, with your rate being based on credit history and the loan term you select. A $5 savings account establishes your membership, which is open to residents of and employees in Dane County, Wisconsin. Rates are subject to change, current POCU loans are not available for this offer.

Vehicle Loans

Car, Truck, Motorcycle

New and used, maximum loan 100% of purchase price, plus tax, title & license fees.

Model Year Term APR* As Low As Monthly Payment
2017-2019 36 Months 1.99% $28.64
2017-2019 48 Months 3.50% $22.36
2017-2019 60 Months 3.75% $18.31
2017-2019 72 Months 4.25% $15.77
2017-2019 84 Months 5.25% $14.26

Model Year Term APR* As Low As Monthly Payment
2006-2016 36 Months 3.75% $29.42
2006-2016 48 Months 3.75% $22.47
2006-2016 60 Months 4.25% $18.54
2006-2016 72 Months 5.25% $16.23

Model Year Term APR* As Low As Monthly Payment
2005 & Older 24 Months 8.90% $45.64
2005 & Older 36 Months 8.90% $31.75
2005 & Older 48 Months 8.90% $24.84
2005 & Older 60 Months 8.90% $20.71

Recreational Vehicle Loans

Snowmobiles, ATVs, Personal Watercraft, Boats, Travel Trailers, Motorhome

New and used, maximum loan is based on N.A.D.A. retail book/value price.

Model Year Term APR* As Low As Monthly Payment
New/Used 36 Months 4.99% $29.97
New/Used 48 Months 4.99% $23.03
New/Used 60 Months 4.99% $18.87
New/Used 72 Months 4.99% $16.10

Personal Loans (Secured By Certificate or Savings)

Amount APR*
Up to 100% in Certificate or Savings Current CD or Savings Rate +2.50%

Personal Loans (Unsecured)

Amount Term APR* As Low As Monthly Payment
$10,000 12 Months 9.90% $87.90
$10,000 24 Months 9.90% $46.11
$10,000 36 Months 9.90% $32.23
$10,000 48 Months 9.90% $25.37

Financing is available to qualified applicants, with your rate being based on credit history and the loan term you select.


Overdraft Protection

Amount Term Rate
Up to $5,000 Open 14.90%

 Negative Information Reporting Notice

The Fair and Accurate Credit Transaction Act of 2003 (FACTA) was passed in 2003 to help prevent identity theft. This legislation requires us to give the following notice to members before any “negative information” may be furnished to a national credit reporting agency. We may report information about your accounts to credit bureaus. Late payments, missed payments or other defaults on your accounts may be reflected in your credit report.

Important Information About Procedures for Opening a New Account

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.

Effective December 11, 2018