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loan rates

1. All Annual Percentage Rates (APR) and terms are subject to change without notice at the discretion of the Credit Union Board of Directors. All rates are subject to credit worthiness and credit union guidelines. Loan terms may be limited based on credit worthiness and Relationship Advantage eligibility. Eligible members will receive a 0.25% APR discount, up to a maximum discount of 0.75%, for enrolling in each of the following services: direct deposit and/or automatic payments, having a share draft (checking) account with an active debit card, E-statements, or 15% down payment on an auto loan. Not all loan types qualify for Relationship Advantage discount. Credit Union membership requires a $10 minimum balance in the Primary Share Savings account.

2.These loan types are not not eligible for Relationship Advantage discounts.

Loan Rates Effective: September 1, 2014

Loan Type

Model Year

Terms (Months)

APR 1

(As Low As)

New Auto

2012 & newer

   

Must have less than 25,000 miles

 

36

1.49%

   

48

1.74%

   

60

1.99%

   

72

2.74%

Minimum loan of $25,000

 

84

3.49%

Minimum loan of $25,000

 

90

4.24%

Used Auto

2008-2011

   
   

36

2.24%

   

48

2.49%

   

60

2.99%

   

72

3.49%

Older Auto

2007 & older

   
   

36

5.24%

   

48

5.49%

   

60

5.74%

New Motorcycle & ATV

2012 & newer

   
Must have less than 7,000 miles  

36

2.24%

 

48

2.49%

 

60

2.99%

 

72

3.49%

Used Motorcycle & ATV

2011 & older

   
 

36

3.49%

 

48

3.74%

 

60

3.99%

New RV & Boat

2012 & newer

   
Must have less than 7,000 miles/hours  

36

3.49%

 

60

4.24%

 

96

4.99%

 

120

5.49%

Used RV & Boat

2011 & older

   
 

36

4.99%

 

60

5.74%

 

96

6.99%

Loan Type

Term (Months)

APR 1

(As Low As)

Personal (Signature) Loan

   
 

12

3.99%

Back To School / Semester of Savings 36

4.99%

 

60

7.99%

Heating Fuel Loan ²

 
 

12

3.99%

Overdraft Protection ²

 
 

60

10.99%

Secured Loans

   

Certificate Secured Loans ²

Term of Certificate

Certificate Rate + 3%

Share Secured Loans ²

10 Year Max Term

Share Rate + 3%

Visa Credit Card ²

 

 

Fixed Rate Visa Credit Card

 

8.99%

Balance Transfer Special
Y
ou Choose!

0% for 6 months or
1.99% for 19 months

Adjustable Rate Home Equity LOC ²

   

1/1 Adjustable Rate: 2nd Position

up to 240

3.25%

5/1 Adjustable Rate: 2nd Position

up to 240

4.25%

Home Equity Fixed Rate ²

   

 2nd Position

60

3.50%

 2nd Position

120

4.50%

 2nd Position

180

5.00%

Home Equity Fixed Rate²

   

 1st Position

60

2.74%

 1st Position

120

2.99%

 1st Position

180

3.24%

Adjustable Rate Home Equity LOC ²

   

1/1 Adjustable Rate: 1st Position

up to 240

2.00%

5/1 Adjustable Rate: 1st Position

up to 240

3.25%

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