Rates Subject to change
*The
following rates are base rates, and may vary depending
on each individual's credit history and underwriting
factors. All
credit union loan programs, rates, terms and conditions
are subject to change at any time
without notice.
| New
Vehicles (90% financing of retail +tag, tax, title) |
Financing
Term |
Base
Annual Percentage Rate* |
| 24
months |
4.50% |
| 36
months |
5.00% |
| 48
months |
5.50% |
| 60
months |
5.95% |
| 72
months (loans over $25K) |
6.25% |
100%
financing - add additional 0.75%* |
Add
0.25% per additional 6 months |
| Used
Vehicles (wholesale + tag, tax, title) |
Age
of Vehicle |
Financing
Term |
Base
Annual Percentage Rate* |
| Current
Year |
Same
as new vehicle |
Same
as new vehicle |
| 1
year old |
54
months** |
Same
as new vehicle |
| 2
year old |
48
months** |
Same
as new vehicle |
| 3
year old |
42
months** |
Same
as new vehicle |
| 4-5
year old |
36
months** |
Same
as new vehicle |
| 6-7
year old |
24
months** |
Same
as new vehicle |
| Over
7 years old |
18
months** |
Same
as new vehicle |
| Luxury (Class IV & > $10K) |
54
months** |
Same
as new vehicle |
100%
financing - add additional 0.75%* |
Add
0.25% per additional 6 months |
Unsecured
Loans
Loan amounts starting at $500 |
| Type |
Loan
Limits |
Terms |
Base
Annual Percentage Rate* |
| Signature |
Less
than $2,500 |
24
months |
as low as 11.00% |
| Signature |
$2,500
-$10,000 |
36
months |
as low as 11.00% |
| |
|
|
|
| Visa
Classic |
Up
to $10,000 |
|
10.00%
- 14.00% |
| Visa Gold |
$5,000 - $15,000 |
|
8.00% |
| Visa
Secured |
Up
to $1,000 |
|
14.00% |
| |
|
|
|
| Line
of Credit |
$500
- $5,000 |
|
16.00% |
Secured
Loans
Loan amounts starting at $500 |
| Type |
Loan
Criteria |
Terms |
Base
Annual Percentage Rate* |
| Share
Secured |
Share
dollars pledged |
Up
to 72 months |
3% over share yield |
| Certificate
Secured |
Certificate
dollars pledged |
Certificate
maturity |
Certificate
Yield + 2% |
| Other
Collateral |
| Type |
Loan
Limits |
Terms |
Base
Annual Percentage Rate* |
| New
/ Used Motorcycles |
Same
as vehicles |
Same
as vehicles |
Same
as vehicles |
| New
Boat |
85%
of purchase price |
60
months |
10.00% |
| Used
Boats |
NADA
Loan value |
48
months |
10.00% |
| Motor
Homes |
NADA
Trade/85% of purchase price |
120
months |
12.00% |
| All
other collateral |
Requires
Appraisal |
60
months |
12.00% |
| Real
Estate Loans |
| Type |
Term
(in months) |
Annual Percentage Rate* |
| Second
Mortgage (up to 5 years) |
60 |
5.75%-7.75% |
| Second
Mortgage (over 5 years) |
120
max |
6.00%-8.00% |
| Home
Equity Line Of Credit Adjustable Rate |
Amortized.
180/Draw 120 |
From
Prime + 0% - Prime +2% |
| Home
Improvement ($5000 or more) |
36 |
13.00% |
|
