Loan Rates

Effective October 1, 2016 until further notice

Apply for a Loan Online
Name   APR * Term
Autos - New 2017 - 2015 2.00% up to 60 Months
    (Up to 100% of NADA Retail)
(72 months available for additional 0.25%)
Autos - Used 2014 - 2009 3.00% up to 60 Months
    (Up to 100% of NADA Retail)
  2008 - 2003 5.00% up to 48 Months
    (Up to 100% of NADA Retail)
(Autos 2002 and older, additional 0.50% will be added to the rate with a max. term of 48 months.)
       
Recreational & Farm Equip - New 2017 - 2015 2.50% up to 60 Months
    (Up to 100% of NADA Retail)
(72 months available for additional 0.25%)
Recreational & Farm Equip - Used 2014 - 2003 3.75% up to 48 Months
    (Up to 100% of NADA Retail)
(Collateral 2002 and older, additional 0.50% will be added to the rate with a max. term of 48 months. Farm Equipment, Lawn Mowers, Tractors older than 1986 will not be accepted as collateral.)
       
Signature Up to $10,000 9.00% up to 48 Months
       
Line of Credit Up to $5,000 11.00% Draws for 24 mths
Discount of 0.25% applied to loans with Automatic or Payroll Payment.
(Must be in good standing with the Credit Union: no late payments; loans must be current; no force placed insurance. Rate, with discount, cannot be lower than base rate. Discount does not apply to Share Secured or Share Certificate Secured loans. )
       
Share Secured   Dividend Rate + 2.00% up to 72 months
       
Share Certificate Secured   Certificate Rate + 2.00% certificate term
       


* Rates are based on Applicant’s Credit Bureau Score:
A Score 700+Base Rate
B Score 699-640Base Rate + 1.00% Signature/Line of Credit: Base + 2.00%
C Score 639-600Base Rate + 2.00% Signature/Line of Credit: Base + 4.00%
D Score 599-550Base Rate + 4.00% Signature: Base + 6.00%
E Score 549-belowBase Rate + 5.00% Signature: Base + 7.00%
Rates can be adjusted for score increase.


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