Rates and fees

The loan that didn’t get away.

Great rates keep bringing members back to 1st Cooperative FCU.

Loan Rates

As of 11/1/2022

If you find a better rate, we may be able to match it

Loan Type
New autos
3.49% – 14.99%
Used autos
3.70% – 15.20%
New or used watercraft
5.20% – 16.70%
New motorcycles
4.90% – 16.40%
Used motorcycles
5.90% – 17.40%
New RV or ATV
5.20% – 16.40%
Used RV or ATV
5.90% – 17.40%
8.50% – 18.00%
Line of credit
8.50% – 18.00%
Visa Platinum Credit Card
8.50% – 17.00%
6.90% – 18.00%
New farm equipment
8.50% – 18.00%
Used farm equipment
9.50% – 18.00%
Secured by Savings
Help in a Hurry: Your Payday Loan Alternative

Loan interest rates vary depending on the type of loan. Final rate is determined upon application and loan approval.

$30 minimum payment on all loan advances. Rates are subject to change without prior notice.

Minimum payment for personal lines of credit or overdraft protection, which is also a line of credit, will be $30. Payments are calculated on amount of the credit limit established. Maximum loan amounts are based on credit score and other underwriting criteria.

Minimum payment for Visa Platinum credit card will be $25. Payments are calculated on 3% of amount owed. Maximum loan amounts are based on credit score and other underwriting criteria.

Maximum loan amounts are based on credit score and other underwriting criteria for all the above category of loans.

Other restrictions may apply.

*APR = Annual Percentage Rate

contact us

with any questions about our financial services.


803-796-0234 M-F, 8:30 a.m. – 5 p.m.

Mom knows best. Sandra sent her son, Ben, to 1st Cooperative when he was planning to buy a boat. “1st Cooperative was able to beat the interest rates and terms I’d seen,” Ben said. “I got a personal loan for the down payment, and once the boat was completed, they converted the personal loan to a boat loan. They are so helpful.” Since then, Ben also bought a truck with the credit union’s help.

Mom is pretty smart. Ben would be wise to share some of that fresh catch with her.

These instructions apply only for your first time logging on to our new Online Banking system after September 2.

If you are an existing Online Banking user, here’s how to log on to our new Online Banking system:

  • Your temporary Logon ID (username) is the member number for the Primary Member on the account.
    • You must enter leading zeroes to make it 6 digits.
    • Examples: If your current member number is 1234, you would enter 001234. For the member number 12, you would enter 000012.
  • Your temporary Security Code (password) is the last 4 digits of the Primary Account holder’s Social Security number.
    • Example: 9876

You will be prompted to change your Logon ID and Security Code. Once these are changed, you will use your NEW Logon ID and Security Code the next time you log on to Online Banking.

Click here to proceed to Online Banking logon »