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  2.99%  100% financing Vehicles 4 years or newer, up to 72 month term - new cars only.
As low as 2.99% **Special $50,000.00 or less will finance 100% up to 72 months
As low as 3.49% **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 3.99% $35,000.00 maximum 20% down, up to 48 months
As low as 4.99% $35,000.00 maximum 10% down, up to 48 months
As low as 5.99% $35,000.00 maximum No money down, up to 48 months

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 9.9% 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 4.99%** 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.