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Rates

Unsecured Loans

As of May 1, 2014

Type of Loan Description APR*
Signature Loan Up to 60 Months 6.50%– 18.00%
Line of Credit Overdraft Protection   16.00%
Visa Credit Card No Annual Fee 8.99% – 11.99%

*APR=Annual Percentage Rate


Vehicle Loans

(includes Boats, Motorcycles, Trailers)

As of May 1, 2014

Model Year Terms APR*
2014 - 2013 - 2012 - 2011 - 2010 Up to 72 Months 2.64% – 6.99%
2008-2014 Up to 60 Months 2.64% – 16.00%
2008-2014 Up to 48 Months 2.64% – 16.00%
2008-2014 Up to 36 Months 2.64% – 16.00%
2007 – 2006 Up to 54 Months 4.75% – 16.00%
2005– 2004 Up to 48 Months 4.75% – 16.00%
2003 – 2002 Up to 48 Months 5.99% – 16.00%
2001 and Older Up to 36 Months 6.99% – 16.00%
Travel Trailer (titled) Loan >10,000 ** Up to 120 Months 5.99% – 9.00%
Travel Trailer (titled) Loan >30,000 ** Up to 180 Months 6.24% –10.00%

*APR = Annual Percentage Rate

All rates and terms are subject to change without notice and will vary depending on individual creditworthiness and the Credit Union’s underwriting standards.

**Beacon score must be at least a A, B, or C rating to receive a 72, 84 or 120 month loan.

**New money secured loans .25% discount with Automatic payments.


Other Secured Loans

(includes 4-Wheelers, Tractors, Lawnmowers, Furniture, Appliances (non-titled)

As of January 1, 2014

Description Terms APR*
New Purchase Up to 60 Months 4.99% – 16.00%
Used Purchase Up to 60 Months 5.50% – 18.00%
Share Secured   4.00%
Certificate Secured   5.00%

*APR=Annual Percentage Rate

All rates and terms are subject to change without notice and will vary depending on individual creditworthiness and the Credit Union’s underwriting standards.

All Credit Union loan programs, rates, terms, and conditions are subject to change at any time without notice.

Term notes may be made at 2% above the existing certificate. Maturity of the loan will be the same as the certificate maturity.

Share term notes may not exceed 1 year.


In-House Mortgage Rates

Type of Mortgage APR*
Fixed-Rate Mortgages: 1st Mortgage - 5-7-10-15 Year Terms Call for current rates
HELOC 1st or 2nd - 15 Years Call for current rates
Land Only (80% - 5-10-15 Years) Call for current rates

Terms for 1st and 2nd Mortgages 10 or 15 Years.

*APR=Annual Percentage Rate

Rates and Terms are subject to change at any time without notice.
Call credit union at 1-800-338-4609 for credit cost and terms.

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NCUA: National Credit Union Administration    EHL: Equal Housing Lender    America's Credit Unions