- The chart below is used to provide a brief summary of loan rates. Rates for these products are“as low as” stated. Real Estate products reflect owner occupied rates and terms. Rates are determined by an evaluation of applicant credit. Your rate may vary from the rate shown.
- All rates and terms are subject to change without notice. Rates shown include all eligible discounts.
- For complete details on any loan product, contact the Credit Union in person or by phone.
- To calculate loan payments, use this Loan Calculator.
- If you have been denied credit at the Credit Union in the last 6 months there is a Loan Application fee of $25.00.
- The Mortgage Application fee is $400.00.
Loan Types / Maximum Term
| Loan Type / Maximum Term | APR |
|---|---|
| New Vehicle - fixed rate | |
| 36 Months | 2.29% |
| 48 Months | 2.49% |
| 60 Months | 2.69% |
| 72 Months | 2.89% |
| Maximum loan amount: $75,000 (includes motorcycles, boats, & RV's) | |
| _________________ | _________________ |
| Used Vehicle - fixed rate | |
| 36 Months* | 2.59% |
| 48 Months** | 2.79% |
| 60 Months*** | 2.99% |
| 72 Months**** | 3.19% |
| Maximum loan amount: $50,000 (includes motorcycles, boats, & RV's) *Year of Vehicle: 2018, 2017, 2016, 2015, 2014, 2013, 2012- Max Mileage 84k **Year of Vehicle: 2018, 2017, 2016, 2015, 2014, 2013 - Max Mileage 72k ***Year of Vehicle: 2018, 2017, 2016, 2015, 2014 - Max Mileage 60k ****Year of Vehicle: 2018, 2017, 2016, 2015 - Max Mileage 48k |
|
| _________________ | _________________ |
| Home Equity Loans - fixed rate "No Points Paid" | |
| up to 70% LTV | 3.75% |
| up to 80% LTV | 4.25% |
| Rates quoted are for 60 month terms. Add .50% for terms 61–120 Months Add 1.00% for terms 121–180 Months Minimum Loan Amount: $15,000 Maximum Loan Amount: $250,000 | |
| _________________ | _________________ |
| Home Equity Lines Of Credit - HELOC - variable rate - interest only | |
| up to 70% LTV | call us |
| up to 80% LTV | call us |
| HELOC Minimum Rate: Call CU HELOC Minimum LOC amount: $15,000 Maximum Term: 20 Years (240 Months) Maximum Rate: 18.00% Maximum LOC Amount: $250,000 | |
| _________________ | _________________ |
| Personal Loans - fixed rate | |
| 1-60 Months | 8.75% |
| Minimum Loan Amount: $500 Maximum Loan Amount: $15,000 May require co-signer/maker | |
| _________________ | _________________ |
| Share Secured Loan - fixed rate | |
| Highest Share Rate: +3.00% | 3.25% |
| _________________ | _________________ |
| Share Certificate Secured Loan - fixed rate | |
| CD Rate + 3.00% | n/a |
| _________________ | _________________ |
| Overdraft LOC - variable rate "Based On Index" | |
| Prime + 5.50% | 10.50% |
| Minimum Loan Amount: $500 Maximum Loan Amount: $15,000 Minimum Payment is 2.5% per month of the outstanding principal balance or $50, whichever is greater. |
|
| _________________ | _________________ |
| Standard Mastercard® | |
|
|
| _________________ | _________________ |
| Platinum Mastercard® | |
| 7.90% | |
Notes:
Maximum unsecured loan to one person is $25,000 including unused credit limits.
