Loan Rates 


Home Equity Rates (First Lien)

Length Minimum APR*
36 Months $5,000.00 As low as 3.25%
60 Months $7,000.00 As low as 3.50%
84 Months $10,000.00 As low as 3.75%
120 Months $10,000.00 As low as 4.00%
144 Months $10,000.00 As low as 4.25%
180 Months $20,000.00 As low as 4.50%

First Lien Home Equity Rates - 100% to 75% LTV.
No Closing Fee if loan is held for two years.
Excludes out of state loans.


Home Equity Rates (Second Lien)

Length Minimum APR*
36 Months $5,000.00 As low as 3.75%
60 Months $7,000.00 As low as 4.25%
84 Months $10,000.00 As low as 4.75%
120 Months $10,000.00 As low as 5.25%
144 Months $10,000.00 As low as 5.75%
180 Months $20,000.00 As low as 6.25%

Second Lien Home Equity Loans -95% to 70% LTV.
No Closing Fee if loan is held for two years.
Excludes out of state loans.


Personal Advances

Amount Length (up to 5 yrs) APR*
$250.00 to $1,200.00 12 Months As low as 10.50%
$1,201.00 to $2,400.00 24 Months As low as 10.50%
$2,401.00 to $4,000.00 36 Months As low as 10.50%
$4,001.00 to $6,000.00 48 Months As low as 10.75%
$6,001.00 to $12,000.00  60 Months  As low as 10.75%
Personal Loan Rates listed above will be discounted .25% if you have an active share draft account with direct deposit and auto pay. Individual applicant's rates will be adjusted based on loan term, loan amounts and credit history. See a loan officer for details.

Used Vehicles and Motorcycles (2018-2016) - Title loans cannot be refinanced

Length APR*
Up to 36 Months As low as 2.50%
Up to 48 Months As low as 2.75%
Up to 60 Months As low as 3.50%
Up to 72 Months As low as 4.00%

NADA Value.
"Previously owned".
100 - 80% LTV.


Used Vehicles (2015-2013)

Length APR*
Up to 36 Months As low as 3.50%
Up to 48 Months As low as 3.75%
Up to 60 Months As low as 4.00%

Older Used Vehicles

Length APR*
Up to 36 Months As low as 3.75%
Up to 48 Months As low as 4.75%

6 YEARS & OLDER (100-80% LTV).


New Vehicles and Motorcycles - Title Loans cannot be refinanced

Length APR*
36 Months As low as 2.25%
48 Months As low as 2.50%
60 Months As low as 2.75%
72 Months As low as 3.00%
84 Months As low as 3.50%

100-80% LTV on Cars,Vans,Trucks and Motorcycles.
"Never been Titled".
- up to 120 days to refinance to receive "New" rate.


Boats - Title Loans cannot be refinanced

Type Length APR*
New Boats (100-80% LTV) up to 7 years As low as 4.50%
Used Boats (100-80% LTV) up to 5 years As low as 5.00%

Recreational Vehicles - Title Loans cannot be refinanced

Type Length APR.*
New - 100-80% LTV up to 7 years As low as 4.50%
Used - 100-80% LTV up to 5 years As low as 5.00%

Mobile Homes (RV's).


One Year Special Loan

APR*
As low as 4.50%
$2,000 Limit / No Refinancing

Two Year Special Loan

APR*
As low as 5.50%
$4,000.00/No Refinancing

FIRE Loan

  • Auto Pay 16.99% Manual Pay 18.99%Up to $550.00.

  • Maximum term is 6 months.

  • No Refinancing.

  • Cannot exceed 3 loans in a 12 month period.

  • $20.00 Non-Refundable Application Fee.

  • $30.00 must remain in shares until loan is paid off.


Share Secured 100%

Length APR*
1-3 yrs. 1.25%
4-5 yrs. 1.50%
6-7 yrs. 1.75%
Minimum $1,000.00 (NEW MONEY)Refinancing

Visa Rates

                          
Platinum Visa with APR* as low as 7.99% with limits up to $20,000.00

Rates & Limits are subject to an evaluation of each applicant's Credit.  

Approvals are based on our underwriting standards.  Other restrictions may apply, contact Karen Kleer for more details.


VISA PROMOTIONS
0.0%* for NEW Cardholders for 6 months            

3.99%* Balance Transfers on Existing Cardholders for 12 months

Loan Rates
Loan Rates & Terms are Disclosed based on your credit worthiness. 
                  
All Loan Rates are subject to change with every board of directors meeting.  Call the office to get the most up to date Rates & Terms.

All loans are subject to the cross collateral clause appearing on your loanliner note and disclosure. 

The Credit Union has the right to apply your shares from any accounts that you are on for delinquent loan payments.