Lending

INTEREST RATES ARE BASED ON APPROVED CREDIT ON SCORES 751 OR HIGHER

Signature (Unsecured)
(Must have 10% in Shares)
10% APR $5,000 Limit
Maximum term 48 months
Share covered loans 3.0% for 6-48 months
4.0% for over 48 months
 
New Cars, RVs, Boats,
& Motorcycles, and Share Secured (2014 to 2016 vehicles are calculated at new car rate)
3.50% APR for 36 months
3.75% APR for 48 months
4.00% APR for 60 months
4.50% APR for 66 months
5.00% APR for 72 months (over $20,000)
6.75% APR for 84 months (over $25,000)
 
Used Cars, RVs, Boats, & Motorcycles
(2013 and older)
4.75% APR for 36 months
5.25% APR for 48 months
6.00% APR for 54 months
6.50% APR for 60 months
7.50% APR for 72 months
  (over $20,000.00)
 

NEW VEHICLES - 100% of MSRP plus tax, license, service contract, and doc fee.

USED VEHICLES - Middle Blue Book including options, adding or subtracting for mileage plus tax, license, service contracts, and doc fee.

All RV, boat and motorcycle loans are 100% of list price on new and middle book on used, plus tax, license, DOC and warranty.

 

Vehicle refinances within the credit union must be for payoff plus $4,000.00

FULL COVERAGE INSURANCE MUST BE CARRIED ON ALL SECURED LOANS. MAXIMUM DEDUCTIBLE $750.

Signature loan refinances within the credit union must be for payoff plus $1000.00

Rates subject to change without notice