Personal Loan Rates

As your credit union, we pride ourselves on offering competitive personal loan rates for home improvement and more. Please remember, all rates are subject to change at any time.

To find out our most current rates, call us at (937) 643-2160.

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Rates effective March 8th, 2021.

Loan Type Fixed APR
(as low as)
Variable APR
(as low as)
Signature Loans 8.99% n/a
Holiday Loans 7.49% n/a
Miscellaneous Loans
Share Secured n/a 6.50% (Prime+1%)
Certificate Secured 4.00% + Paid Cert Rate n/a
CheckLine – revolving 16.00% n/a
Stretch Pay** – revolving 18.00% n/a
Credit Cards
Visa Low-Rate Platinum n/a 8.50%
Visa Reward Platinum n/a 11.49%
Mortgage Freedom Loan
Refinance your mortgage balance up to 70% of appraised value of your home. Minimum finance amount of $20,000.
As low as
3.74% (From 60 months up to 120 months)
Home Sweet Loan***
Borrow up to 100% of the available equity in your home.
As low as
4.24% (with LTV 80% or less*)As low as
(with LTV 81-90%*)As low as
5.99% (with LTV 91-100%*)
Home Equity Line of Credit***
Borrow up to 100% of the available equity in your home.
As low as
5.24% represents
(with LTV 80% or less)As low as
6.24% (with LTV 81-90%)
(with LTV 91-100%)

APR = Annual Percentage Rate
APY = Annual Percentage Yield
LTV = Loan-to-Value

All loans are subject to credit approval and other underwriting requirements. To find out what your rate will be, contact a loan officer. For plans with a variable rate feature, the annual percentage rate may vary. Prime is currently 5.50% APR as stated in the Wall Street Journal, subject to adjustment on the first day of each calendar quarter.

Members that meet all qualifications of the Loan Benefit Club will receive 0.25% loan benefit credit to an auto, recreational and closed-end signature loan each month qualifications are met (Misc. loans excluded) Day Air Loan Benefit Qualifications: debit card, minimum accumulation of $500 monthly ACH deposit, enrolled in e-statements- loan benefit paid as a credit to the loan each month that qualifications were met the prior month. Qualifications must be met on the same Day Air membership as the qualified loan; qualified loan must be closed on or after August 1, 2015.

Rates subject to change. Please call for most current rates.

*Processing fee applies and will increase the Annual Percentage Rate.

**Stretch Pay loan has a $35/70 annual fee. Must be a Day Air member in good standing for a minimum of 120 days with no derogatory checking account history/activity during the past 12 months. Member must be in good standing at the time the loan is applied for and each time an advance is made. Member must be employed by the same employer for a 6-month period, or be receiving verifiable fixed income, must provide proof of income, and time on job at the time of application. Members must have at least 12 months of productive use of the $250 credit line before being considered for the higher line of $500. We also require 10% of the limit be taken from the initial advance and placed in a pledged savings account. The $35 or $70 annual participation fee is to be paid with the first advance each year.

For plans with variable rates, the annual percentage rate may vary to a maximum of 18.00% APR. Home Equity Lines of Credit are subject to a $5,000 minimum and a $200,000 maximum: determined by credit history and Loan-to-Value.

*** Routine closing costs for Home Equity Loans can cost up to approximately $452. Property insurance is required. Consult your tax advisor for tax deductibility.

Day Air Fee Schedule