Effective December 1, 2024
2024 Holiday Loan begins November 1, 2024
(ask about details)
Loan Rates
| Loan Type | APR (as low as) | Approximate Term |
|---|---|---|
| *Signature/Closed End | 5.49%**, 5.4954%**, 5.49%**, 6.79%**, 7.49%** | 12 months, 24 months, 36 months, 48 months, 60 months |
| New Auto/Truck | 4.74%**, 4.99%**, 5.24%**, 5.74%** | 36 months, 48 months, 60 months, 72 months |
| Used Auto/Truck (over $20,000) | 5.24%**, 5.49%**, 5.74%**, 6.24%** | 36 months, 48 months, 60 months, 72 months |
| New Boat/RV/Motorcycle (over $20,000) | 4.99%**, 5.24%**, 5.74%** | 48 months, 60 months, 72 months |
| Used Boat /RV Motorcycle (over $20,000) | 5.49%**, 5.74%**, 6.24%** | 48 months, 60 months, 72 months |
| Share Secure | 2.00%, 2.35%, 2.50% | 36 months, 48 months, 60 months |
| ***Certificate Secured | 1.50% over current CD rate | up to 84 months |
| VISA® Credit Card | as low as 10.90%** | Revolving |
| VISA® Credit Card-Share Secured | 7.00% | Revolving |
* Maximum combined unsecured credit limit – $50,000 (Loans and Visa) ** Annual Percentage Rates are based upon the credit history of the member. Rates stated above are the lowest rates in effect at the time. Not all members will qualify for these rates. AUTO – Loans must have an automatic payment option to qualify for these rates. *** The ANNUAL PERCENTAGE RATE (APR) for certificate secured advances will be the dividend rate being paid on the certificate offered as security (index) plus 1.5%. The certificate must be renewed until the advance is completely paid. When the certificate is renewed, the APR will change to reflect the new dividend rate. The actual APR will be disclosed at the time of the advance. Any increase in the APR will result in more payments of the same amount. Rates subject to change without notice. For specials, call the Credit Union.
Home Equity Rates
| Loan Type | APR (as low as) | Approximate Term |
|---|---|---|
| Fixed Rates | 4.25%**
5.00%** 6.25%** |
5 to <8 years
8 years to <10 years 10 years to 15 years |
| Variable Rate | 8.5%** (Prime Rate + 8.5%) | 15 Years |
Rates based on 80% of appraised value less first mortgage. Higher LTV’s will increase posted rates. $300,000 maximum on 1st position HE Loans. $175,000 maximum on 2nd position HE loans per property. No points. $200 Document Preparation Fee. Member pays for appraisal, title search, recording and closing costs (Est. $500 to $l,000) Rates subject to change.
