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 (90% financing of retail +tag, tax, title)

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

loans over $25,000

Updating

100% financing - add an additional 0.75%*
Add 0.25% per additional 6 months 73 mos - 84 mos (Annual Percentage Rate is same as 72 months. 84 minimum is $30,000.00) Rates as February 7, 2013

Used Vehicles (wholesale + tag, tax, title)

Age of VehicleFinancing TermBase Annual Percentage Rate*
Current YearSame as new vehicle-
1 year old54 months3.27%
2 year old48 months3.12%
3 year old42 months3.12%
4-5 year old36 months3.12%
6-7 year old24 months3.27%
Over 7 year old18 months3.27%
Luxury and Classic Cars

Class IV & greater than $10,000

54 months3.27%

100% financing - add an additional 0.75%*
Add 0.25% per additional 6 months Classic vehicles are model years 1971 - 1991 (Maximum term for Classic Vehicles is 48 months) Rates as of February 8, 2013

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 - $10,000
$300 - $10,000
$300 - $25,000
$5,000 - $25,000
$5,000 - $25,000
6.95%
12.00%
10.00%
8.00%
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)60Updating
Second Mortgage (over 5 years)120 maxUpdating
Home Equity Line Of Credit Adjustable RateUpdatingUpdating
Home Improvement ($5,000 or more)36Updating