Loan Rates

Revised October 1, 2010
Rates subject to change without notice. Refinanced loans will be at prevailing rate.

Unsecured Personal Loans — 10% deposit required
Up to $1,200 12 months 12% per annum
Up to $3,000 36 months 14% per annum
Up to $5,000 48 months 14% per annum
Up to $10,000 60 months 15% per annum
Up to $25,000 60 months 16% per annum
14% for XLC (Express Line of Credit)
14% for Overdraft Protection

Share Pledge Loans and Certificate Secure Loans — 3% above earnings

Special Car Loan Rates as low as 2.50% APR for New Cars and as low as 4.00% APR on Used Cars. Contact us for details.

New/Used Vehicle Rates and Terms
Secured Deposits
6.50% per annum
25% down
48 months
$250
6.75% per annum
25% down
60 months
$500
7.25% per annum
15% down
36 months
$500
7.50% per annum
15% down
48 months
$500
7.75% per annum
15% down
60 months
$500
8.00% per annum
0% down
36 months
$500
8.25% per annum
0% down
48 months
$500
8.50% per annum
0% down
60 months
$500
*Car Sales: Special rates and terms may be available for Special Car/Loan promotions.
Rebates and dealer incentives are not used to determine the amount paid down. The down payment represents cash down payment or credit for trade.

Refinance Own Car

(New car from another financial institution must not be over 1 year old.) Mileage can be a factor.
Faxed payoff good for 15 days.
Secured Deposits
   7.00% per annum - up to one year old
up to 60 months
$500
   8.00% per annum - 1 year and older
up to 48 months
$500

New RVs — Maximum finance: $150,000
Various rates and terms available. Please see Loan Officer.

Used RVs — Maximum finance: $75,000
Various rates and terms available. Please see Loan Officer.

Boats — New

Secured Deposits
14.00% per annum
25% down
8 years
$500

Motorcycles — New
 
8.50% per annum
10% down
up to 60 months
$500
7.50% per annum
15% down
up to 60 months
$500

Note:

  1. All Used collateral is subject to on-site inspection at the option of the credit union. The rate will be 18% for any vehicle not listed the Red Book.
  2. All Refinance loans will be at the prevailing rate.
  3. Used vehicles with high mileage over 50,000 or over three (3) years old may be a higher rate and $500 required deposit. (i.e., 1 point each 5000 miles over 50 and 1 point each year over 3 years old.)
Contact the Loan Department for quotes on real property loans and first/second mortgages.

“This institution is not federally insured, and if the institution fails, the Federal Government does not guarantee that depositors will get their money back.”

 

 
   
 
 
 
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