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

Rates Effective September 30, 2011

New Vehicle Loan Rates
Rate Amount Financed Conditions*
 **Special  5.00%  100% financing  Vehicles 4 years or newer, up to 60 month term
7.00% $35,000.00 maximum 20% down, up to 60 months
7.00% Over $35,000.00 Up to 72 months
8.00% $25,000.00 maximum No money down, up to 60 months

Rates include autos, trucks, motorcycles, RVs loans.

Used Vehicle Loan Rates - For vehicles over 4 years
Rate Amount Financed Conditions*
8.00% $25,000.00 maximum 20% down, up to 48 months
9.00% $25,000.00 maximum 10% down, up to 48 months
10.00% $20,000.00 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
Rate Amount Financed Conditions*
12.50% $10,000.00 maximum single signature Minimum loan $500.00
12.50% $20,000.00 maximum Cosigner needed for over $10,000.00

A loan must be opened for at least 6 months before a member may apply for a refinance of that particular loan. A member can only refinance a loan once a year.

Share Secured Loans
Rate Term
2.00% over share rate Up to 60 months
Higher Education
Rate Amount Financed Conditions*
9.50% Up to $25,000.00 Maximum 10 years
Loan Special
Rate Amount Financed Conditions*
7.90% $2,500.00 maximum New money only, 2 year pay back
Home Equity Line of Credit (variable rate)
Rate Term Conditions*

Variable rate - current rate 4.0%

 Up to 5 years draw 10 year payback 80% loan to value ratio, minimum $30,000.00 to a maximum of $50,000.00. Advances have to start at $500.00

*If still has a balance at end of draw, the loan will roll over to current 15 yr fixed rate (2nd mortgage rate)

Home Improvement Loan
Rate Term Conditions*
10.50% Maximum 5 years $20,000.00 maximum, co-maker needed if over $10,000.00
Property Tax Loan
Rate Term Conditions*
9.50% Up to 6 months $500.00 minimum $2,000.00 maximum

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