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Current Rates ยป Loan Rates
Loan Rates
| Loans |
Rate |
APR* |
Term |
| New Vehicle 24 months # |
5.250 |
5.250 |
24 |
| New Vehicle 36 months # |
5.750 |
5.750 |
36 |
| New Vehicle 48 months # |
6.000 |
6.000 |
48 |
| New Vehicle 60 months # |
6.250 |
6.250 |
60 |
| New Vehicle 72 months # |
7.250 |
7.250 |
72 |
| Used Vehicle (2006 vehicle year or newer) - 24 months # |
5.250 |
5.250 |
24 |
| Used Vehicle (2006 vehicle year or newer) - 36 months # |
5.750 |
5.750 |
36 |
| Used Vehicle (2006 vehicle year or newer) - 48 months # |
6.000 |
6.000 |
48 |
| Used Vehicle (2006 vehicle year or newer) - 60 months # |
6.250 |
6.250 |
60 |
| Used Vehicle (2005 vehicle year) - Maximum repayment up to 48 months depending upon equity in vehicle |
7.000 |
7.000 |
48 |
| Used Vehicle (2004 vehicle year) - Maximum repayment up to 36 months depending upon equity in vehicle |
7.500 |
7.500 |
36 |
| Used Vehicle (2003 vehicle year) - Maximum repayment up to 24 months depending upon equity in vehicle |
8.000 |
8.000 |
24 |
| Refinance Your Current Vehicle Loan From Another Financial Institution## |
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|
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| Signature Loan Up to 12 months # |
9.000 |
9.000 |
12 |
| Signature Loan <= 24 months # |
9.250 |
9.250 |
24 |
| Line of Credit $1500 34 months |
12.000 |
12.000 |
34 |
| Line of Credit $3000 34 months |
12.000 |
12.000 |
34 |
| Line of Credit $5000 33 months |
10.000 |
10.000 |
33 |
| Line of Credit $7500 48 months |
10.000 |
10.000 |
48 |
| Share Secured |
5.000 |
5.000 |
144 |
| Share Certificate Secured ### |
0.000 |
0.000 |
144 |
| TOP Account Secured #### |
0.000 |
0.000 |
144 |
| Half-Share Secured |
9.000 |
9.000 |
60 |
|
VISA Credit Card (Platinum Card)
VISA Credit Card (Classic Card) |
8.990
11.500 |
8.990
11.500 |
12
12 |
*APR = Annual Percentage Rate
# Tiered-Rate Lending: The Annual Percentage Rate (APR) you receive will be based on your credit worthiness. Please ask us for the rate that you qualify for. Vehicle loans with 20% of the purchase price provided as down payment will qualify for a rate reduction of .25% APR
## Refinance your current vehicle (2006 or newer vehicle) loan from another financial institution and, if you qualify, we will reduce your Annual Percentage Rate (APR) up to 1.5% less than your current APR. Qualification for refinancing your vehicle loan will depend upon your credit history, remaining term, current interest rate, oustanding debt obligations, and equity in vehicle. We will use 'Edmunds.com' to determine the value of your vehicle. The credit union will need a copy of your current installment loan contract. Contact a credit union representative for specific rate and/or additional information.
### The Annual Percentage Rate (APR) for Certificate Secured advances will be the Annual Percentage Yield (APY) being paid on the certificate offered (index) plus 3.00%
#### The Annual Percentage Rate (APR) for Top Account Share Secured advances will be the Annual Percentage Yield (APY) being paid on the Top Account offered (index) plus 3.00%
Rates are subject to change.
- Minimum Loan: $100.00 except share-secured loan, which is $1,000.00
- Filing fee: you may be charged a filing fee at the time of your advance. The amount of the filing fee will be based upon the amount of fee required by state law for the credit union to obtain a lien on your property.
- Cancellation fee: if the loan closing is cancelled by the borrower, a $10.00 fee will be assessed.
- Collateral Release or Substitution fee: if collateral is requested to be released early or substituted, a $15.00 fee is required to evaluate the request.
First Mortgage - 5-Year Maturity
| Rate |
Points |
APR* |
| 5.95 |
0 |
5.95 |
First Mortgage - 10-Year Maturity
| Rate |
Points |
APR* |
| 6.25 |
0 |
6.25 |
First Mortgage - 15-Year Maturity
| Rate |
Points |
APR* |
| 6.40 |
0 |
6.40 |
First Mortgage - 20-Year Maturity
| Rate |
Points |
APR* |
| 6.65 |
0 |
6.65 |
First Mortgage - 30-Year Maturity
| Rate |
Points |
APR* |
| 6.80 |
0 |
6.80 |
Home Equity: 80% or Less Loan to Value
| Rate |
Points |
APR* |
| 4.99 |
0 |
4.99 |
Second Mortgage: 5-Year Maturity
| Rate |
Points |
APR* |
| 6.49 |
0 |
6.49 |
Second Mortgage: 7-Year Maturity
| Rate |
Points |
APR* |
| 6.64 |
0 |
6.64 |
*APR = Annual Percentage Rate
Rates are subject to change.
- The Home Equity Loan has a variable rate that is based upon the Wall Street Prime Rate in effect on the 1st business day of June and December changing semiannually on the first business day of July and January.
- Title insurance may be required.
- The maximum rate on the Home Equity Loan is 18% APR.
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