Loan Rates

Rates effective September 1, 2015

Rates subject to change by the Board of Directors without prior notice.

New Vehicle Loan Rates
Annual Percentage Rate (APR) Amount Financed Conditions*
As low as  3.49%  100% financing Vehicles 4 years or newer, up to 72 month term - new cars only.
As low as 3.49% **Special $50,000.00 or less will finance 100% up to 72 months
As low as 3.99% **Special $50,000.00 or less will finance 100% up to 84 months

Rates include autos, trucks, motorcycles, RVs loans.

Used Vehicle Loan Rates - For vehicles over 4 years
Annual Percentage Rate (APR) Amount Financed Conditions*
As low as 4.49% $35,000.00 maximum  
As low as 5.49% $35,000.00 maximum  
As low as 6.49% $35,000.00 maximum  

The maximum used car financing is NADA retail value. Rates include autos, trucks motorcycles and RVs.

Personal
Annual Percentage Rate (APR) Amount Financed Conditions*
As low as 8.00% Signature Loan** $15,000.00 maximum single signature Minimum loan $500.00
As low as 8.00% Signature Loan** $20,000.00 maximum Cosigner needed for over $15,000.00
12.9% Overdraft Line of Credit $5,000.00 maximum/$500.00 minimum Must have share draft account
As low as 9.99% Debt Consolidation Loan** $10,000.00 maximum limit 5 Year Maximum Term

 

Share Secured Loans
Annual Percentage Rate (APR) Term
2.00% over share rate Up to 60 months

 

Higher Education
Annual Percentage Rate (APR) Amount Financed Conditions*
As low as 9.50%** Up to $25,000.00 Maximum 10 years

 

Loan Special
Annual Percentage Rate (APR) Amount Financed Conditions*
As low as 7.90%** $2,500.00 maximum New money only, 2 year pay back

 

Home Improvement Loan
Annual Percentage Rate (APR) Term Conditions*
As low as 7.50%** Maximum 5 years $20,000.00 maximum

 

Property Tax Loan
Annual Percentage Rate (APR) Term Conditions*
As low as 5.24%** Up to 12 months $500.00 minimum $2,000.00 maximum

*Note credit union will disburse checks for Home Improvement, Debt Consolidation and Property Tax Loans.

**Must have a credit score of 730 or above to qualify for these rates, other rates may apply for lower scores.