Rates

Loan Rates

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 (up to 100% financing of purchase price + tax, tag, title and GAP insurance)

Financing TermBase Annual Percentage Rate*
24 months2.93%
36 months2.93%
48 months2.93%
60 months2.93%
72 months

loans over $25,000

3.04%

84 minimum is $30,000.00 Rates as of Mach 1, 2016

Used Vehicles (up to 100% of NADA Clean Retail Value + GAP, extended warranty)

Age of VehicleFinancing TermBase Annual Percentage Rate*
Current YearSame as new vehicle-
1 year old54 months2.95%
2 year old48 months2.95%
3 year old42 months2.95%
4-5 year old36 months2.95%
6-7 year old24 months1.95%
Over 7 year old18 months1.95%
Luxury and Classic Cars

Class IV & greater than $10,000

54 months3.27%

Classic vehicles are model years 1971 - 1991 (Maximum term for Classic Vehicles is 48 months) Rates as of March 1, 2016

Unsecured Loans (starting at $300)

TypeLoan LimitsTermsBase Annual Percentrage Rate*
SignatureLess than $2,500
$2,500 - $10,000
24 months
36 months
as low as 6.00%
as low as 6.00%
Visa Secured$300 - $25,0006.95%
Visa Platinum$300 - $25,000as low as 6.95%
Line of Credit$300 - $25,000as low as 6.00%

Secured Loans (starting at $300)

TypeLoan CriteriaTermBase Annual Percentage Rate*
Shared SecuredShare dollars pledgedUp to 72 months3% over share yield
Certificate SecuredCertificate dollars pledgedCertificate maturityCertificate Yield + 3%
Other Collateral
TypeLoan LimitsTermsBase Annual Percentage Rate
New / Used MotorcyclesSame as vehiclesSame as vehiclesSame as vehicles
New Boat85% of purchase price72 months10.00%
Used BoatsNADA Loan value60 months10.00%
Motor HomesNADA Trade/85% of purchase price120 months12.00%
All other collateralRequires Appraisal60 months12.00%

Real Estate Loans

TypeTerm (in months)Annual Percentage Rate*
Second Mortgage (up to 5 years)606.75%
Second Mortgage (over 5 years)120 max7.00%
Home Equity Line Of Credit Adjustable RateRevolvingas low as Wall Street Journal Prime Rate**

The rate is a variable rate adjusted to the Prime Rate quarterly based on the Wall Street Journal’s Prime Rate. As of March 1, 2016 the Prime Rate s 3.50%. HELOC is subject to a floor of 3.50%. Rates are based on credit worthiness.