Loan Rates
Loan Rates
| New & 1 Year Old Vehicles | |
| Effective Date: Current as of 3/28/12 | |
| 100% Financing available for those who qualify on New Vehicles/Recreational Vehicles. A minimum down payment of 10% of the purchase price (delivered) may be required on any New Vehicle/Recreational Vehicle. Down payment may be considered as cash and/or trade in, and/or shares as security. | |
| Term | Rates As Low As |
| 1-48 Months | 2.85% |
| 49-60 Months | 3.35% |
| 61-72 Months | 4.35% |
48 monthly payments of $22.07 per $1000 borrowed at 2.85% APR. | |
| Used Vehicles | ||
| Includes Automobiles, Vans, Trucks, or Motorcycles purchased or refinanced from another financial institution. 100% Financing of the NADA retail price, or appraised value available for those who qualify on all Used Vehicles/Recreational Vehicles. A minimum down payment of 10% of the NADA retail price or appraised value may be required on any Used Vehicle/Recreational Vehicle. Down payment may be considered as cash and/or trade in, and/or shares as security. | ||
| Name | Term | Rates As Low As |
| 2-3 Years Old | ||
| 48 Months | 4.65% | |
| 60 Months | 4.90% | |
| 72 Months | 5.40% | |
| 4-5 Years Old | ||
| 36 Months | 5.15% | |
| 48 Months | 5.40% | |
| 60 Months | 5.90% | |
| 6 Years Old | ||
| 36 Months | 6.15% | |
| 48 Months | 6.40% | |
| All Others | ||
| 36 Months | 8.15% | |
| Classic Cars | ||
| At the discretion of the CU. Not to exceed 48 months. May require written appraisal | 7.20% | |
| Recreational Vehicles | |||
| Motor Homes, Boats, Travel Trailers, Campers, Farm Equipment. | |||
| Name | Term | Rates As Low As | Amount Financed |
New and 1 Year Old | |||
| Up to 60 Months | 5.65% | $0-10,000 | |
| 61 to 84 Months | 6.40% | $10,001 - 20,000 | |
| 85 to 120 Months | 6.90% | $20,001 - 30,000 | |
| 121 to 144 Months | 7.40% | $30,000+ | |
Used 2+ Years Old | |||
| Up to 60 Months | 5.75% | $0-10,000 | |
| 61 to 84 Months | 6.50% | $10,001 - 20,000 | |
| 85 to 120 Months | 7.00% | $20,001 - 30,000 | |
| 121 to 144 Months | 7.50% | $30,000+ | |
| Other Recreational Vehicles | |||
| ATV's, Snowmobiles, Jet Ski's, Dirt Bikes, Lawnmowers. | |||
| Name | Term | Rates As Low As | Amount Financed |
New and 1 Year Old | |||
| Up to 36 Months | 6.75% | $0-10,000 | |
| 37 to 48 Months | 7.00% | $0-10,000 | |
| 49 to 60 Months | 7.25% | $10,001+ | |
Used 2+ Years Old | |||
| Up to 36 Months | 7.50% | $0-10,000 | |
| 37 to 48 Months | 7.75% | $0-10,000 | |
| 49 to 60 Months | 8.00% | $10,001+ | |
36 monthly payments of $30.77 per $1000 borrowed at 6.75% APR. | |||
| Signature Loans | |
| Loans on signature alone, for any reasonable purpose. No security required. | |
| Term | Rates As Low As |
| 36 Months | 10.70% |
| 48 Months | 11.70% |
| 60 Months | 12.70% |
No longer than 60 Months. Members who qualify may borrow up to $5,000. 36 monthly payments of $32.60 per $1000 borrowed at 10.70% APR. | |
| Fixed Rate Home Equity Loans | |
| Low, competitive rate of interest. Can be used for any reason. Interest may be tax deductible. Fixed rate of interest. | |
| Term | Rate |
| 60-120 Months | 5.85% |
| 121-180 Months | 6.10% |
LTV: 80% of SEV or Appraised Value (less amount owed) up to $50,000. 80% of SEV or Appraised Value $50,001 - $75,000. No application fee. No annual fee. | |
| Share Secured Loans | ||
| 100% share secured loans may be obtained up to 20 years with a four year balloon clause at 3.00% above current share rate. | ||
| Term | Shares | Rate |
| 1 - 60 Months | 50% | 5% above current share rate |
| 1 - 60 Months | 75% | 4% above current share rate |
| 1 - 60 Months | 100% | 3% above current share rate |
| 81 Account Share Secured Loan: Shares to receive a 1.00% dividend. Loan term up to 84 months at 3.50%. | ||
| Mortgage Loans | |
| First Lien, Member-occupied, Single Family. | |
| Term | Base Rates |
| Up to 10 Years | 5.35% |
| 10 Years, 1 Day - 15 Years | 5.60% |
| 15 Years, 1 Day - 20 Years | 5.85% |
| 20 Years, 1 Day - 30 Years | 6.10% |
| 120 monthly payments of $10.78 per $1000 borrowed at 5.35% APR. | |
APR is Annual Percentage Rate. APY is Annual Percentage Yield.
Rates & Terms are subject to change without notice. All Rates may vary based on credit history, security, term of loan, and direct deposit.
NCUA - Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government agency. Equal Housing Lender - We do business in accordance with the Fair Housing Law and Equal Opportunity Credit Act