Loan disclosures, rates and fees

Auto loan rates
Effective Date: Monday, April 23rd, 2018
Vehicle typeAPR (Low)*APR (High)Repayment terms
New auto (2017 - 2018) 3.24% 16.24% Up to 72 months
New auto (2017-2018) 3.74% 16.49% 73-84 months
Used auto (2003-2016) 3.24% 16.74% Up to 72 months
Used auto (2003-2016) 3.74% 16.99% 73-84 months
Classic used auto (2002 and older) 3.24% 16.74% Up to 60 months

RV, boat and other recreational vehicle loan rates
Effective Date: Monday, April 23rd, 2018
Vehicle typeAPR (Low)*APR (High)Repayment terms
New boat or RV (2017-2018) 4.24% 15.99% Up to 72 months
New boat of RV (2017-2018) 4.49% 16.24% 73-180 months
Used boat or RV (2008-2016) 4.74% 16.74% Up to 72 months
Used boat or RV (2008-2016) 4.99% 16.99% 73-180 months
Loan rates for ATVs, horse trailers, motorcycles, snowmobiles and personal watercraft are featured below.
New (2017-2018) 4.24% 16.99% Up to 72 months
New (2017-2018) 4.49% 17.24% 73-84 months
Used (2012-2016) 5.24% 17.99% Up to 72 months
Used (2012-2016) 5.49% 17.99% 73-84 months

Personal loan rates
Effective Date: Monday, April 23rd, 2018
Loan typeAPR (Low)*APR (High)Repayment terms
All-purpose Loan 7.24% 17.99% Up to 36 months
All-purpose Loan 12.99% 17.99% 37-60 months
Payday Advance 18.00% 18.00% Up to 30 Days
Personal Line of Credit (PLOC)** 8.50% 17.25% $25 or 2.50% of the total balance, whichever is greater.
For certificate secured loans***, the APR is set at 3% above the certificate's earning rate.
For savings secured loans****, the APR is set at 3% above the secured savings account's earning rate.

Home Equity Line of Credit (HELOC) rates
Effective Date: Monday, April 23rd, 2018
Loan typeAPR (Low)*APR (High)Term
Home Equity Line of Credit (HELOC) 4.50% 18.00% Draw period of up to 10 years. After draw, repayment term of up to 15 years.

Visaź credit card rates on purchases
Effective Date: Monday, April 23rd, 2018
Credit cardAPR (Low)*APR (High)Perks
Visa® Value 8.00% 18.00% Save on purchases and balance transfers. Get our lowest rates.
Visa Rewards 10.50% 15.50% Earn points with each purchase.
Teen Visa 8.00% 18.00% A co-signed, starter card for teens to learn responsible credit use.
Prepaid Visa cards N/A N/A Enjoy the convenience of a card with no worry of credit debt.

 

* APR (Low) indicates the lowest annual percentage rate you may qualify for on the loan. The loan interest rates shown in the table are reflective of a range of rates available. All loans are subject to approval. You may qualify for the lowest rates published depending upon your credit qualification, the amount financed, receiving a 0.50% APR reduction by maintaining an automatic loan payment each month and 0.25% APR reduction for qualifying for the Premier Member Merits category. The following examples illustrate the expected monthly loan payments for members who qualify for the prime rate, premier member merit status and enroll in automatic monthly payments. A $10,000 new auto loan with a 60 month repayment term will have a 2.99% APR and a monthly payment of $179.66. A $20,000.00 used auto loan with a repayment term of 84 months will have a 3.49% APR and a monthly payment of $268.73. If you delete your automatic payment request, or the credit union terminates your automatic payment request due to insufficient available funds, this interest rate may be increased by one-half of one percent (.50%) for the remaining term of the loan. This rate change will be reflected on your credit union statement.

  • We may offer other rates in the future.
  • We may be able to match rates from other lenders.
  • All loans are subject to approval.

** Personal line of credit is not eligible for the Member Merits or automatic payment decrease in APR. The Periodic Rate and corresponding Annual Percentage Rate for the Personal Line of Credit loan is calculated by adding a graduated margin (the margin is based on a risk based pricing tier) to the month end Prime Rate for the previous calendar month as published by the Federal Reserve. The Annual Percentage Rate will never be more than 18% or the maximum rate allowed by applicable law.

*** Advances secured by credit union certificates are made at a rate based upon the earning rate of the certificate. The Periodic Rate and the Annual Percentage Rate are set at the time of the advance that is the earning rate on the pledged certificate, plus 3%. For example, if you pledge an account earning 5.00% your Periodic Rate would be .021918% and your Annual Percentage Rate would be 8.00%. The actual rate will be disclosed on the Disbursement Receipt at the time of the advance.

**** There is a minimum periodic rate of .013699% which equals an Annual Percentage Rate of 5.0%

  • The credit union may offer other rates in the future.
  • We may be able to match rates from other lenders.
  • All loans are subject to approval.
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