Rates (Effective August 29, 2014)

Loans - New or Used Auto 2014-2012

TERM

FIXED APR AS LOW AS

0 - 66 months

1.99%

67 - 72 months ($15k min)

2.99%

73-84 months ($19k min)

5.49%

Loans - Used Auto 2011-2009

0 - 66 months*

1.99%

67 - 72 months ($15k min)

3.99%

Loans - Used Auto 2008-2006

0 - 66 months*

2.99%

Loans -Used Auto 2005 or older

0 - 48 months*

4.99%

Unsecured Loan*

$1000-4000 ($1000.00 12 months max)

10.99%

$4001+ (Max term 48 months for the larger dollar amounts)

9.99%

Share Secured Loan

2% over share or certificate rate, minimum of $1,000

Open End Line of Credit

$500-8000

11.90%


Truck Camper, Tent Trailer, Tractor

TERM

APR

1 - 60 months

7.99%

61 - 72 months* ($20k min)

8.99%

Motorcycle, ATV, Jet Ski

0 - 48 months

7.99%

Motor Home, Travel Trailers, Boats

0 - 72 months*

7.99%

73 - 144 months* ($25k min)

8.99%

Mobile Homes (75% of list)

0 - 72 months*

15.00%

73 - 144 months* ($25k min)

17.00%



Home Equity Loans ($10K min) 90% LTV

 

APR

0 - 120 months

4.99%

121 - 180 months

6.99%



Home Equity Line of Credit

 

APR

(prime+0 w/ 5.99% floor) ($10k min)

5.99%

Credit Card Rates - Visa Platinum

CREDIT SCORE

APR

760+

7.99% (Prime + 4.74)

720-759

8.99% (Prime + 5.74)

680-719

9.99% (Prime + 6.74)

640-679

13.15% (Prime + 9.90)

639 and below

16.15% (Prime + 12.90)

Penalty Pricing

18.00% (3 Cycles)

Credit Card Rates - Visa Signature (Rewards)

CREDIT SCORE

APR

760+

10.15% (Prime + 6.90)

720-759

11.15% (Prime + 7.90)

680-719

12.15% (Prime + 8.90)

640-679

15.15% (Prime + 11.90)

639 and below

18.00% (Prime + 14.75)

Penalty Pricing

18.00% (3 Cycles)


Shared Secured loans are paid at a rate of 2% above the Share Product used. For example, if you are using a 48 month certificate that has an interest rate of 6.25% to secure your loan, then your interest rate will be 8.25%.

The annual percentage rates (APR) listed are our best rates. Your rate may vary depending on your credit score. Please contact a loan officer for information concerning specialty-type autos or extended terms.

*Max. LTV= maximum loan to sales value of vehicle as determined by the credit union.

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