These rates are current as of August 1, 2011.
| Type |
Direct Pay APR |
Auto Pay APR |
Maximum Term |
|
Credit Cards |
| VISA Credit Card |
8.00% |
8.00% |
Minimum $25 Monthly or 3% of Balance |
| (APR based on credit worthiness) |
10.00% |
10.00% |
--- |
| --- |
12.00% |
12.00% |
--- |
| |
|
Open-End Loans |
| Overdraft Line of Credit ($500 line of credit) |
16.00% |
No Discount |
$25 Monthly |
| Open-end Signature Loan |
10.00% |
9.50% |
60 Months |
| Share Secured Loan |
Share Rate + 2%
(minimum 3.75%) |
Share Rate + 2% - .5%
(minimum 3.25%) |
Min. Payment is Interest Due |
| Certificate Secured Loan |
Rate of Certificate + 3%
(minimum 3.75%) |
Rate of Certificate + 3% - .5%
(minimum 3.25%) |
Min. Payment is Interest Due |
| |
|
Closed-End Loans |
| Signature Loan Level #1 |
14.00% |
13.50% |
60 Months |
| Signature Loan Level #2 |
16.00% |
15.50% |
48 Months |
| Comaker Loan |
13.00% |
12.50% |
60 Months |
| |
New Vehicle Loan Level #1
(Beacon Score 725 and up) |
5.00% |
4.50% |
72 Months |
New Vehicle Loan Level #2
(Beacon Score below 725) |
5.50% |
5.00% |
72 Months |
| ** Finance up to 90% of MSRP according to Black Book |
| |
Used Vehicle Loan Level #1
(Beacon Score 725 and up) |
5.25% |
4.75% |
60 Months |
Used Vehicle Loan Level #2
(Beacon Score below 725) |
5.75% |
5.25% |
60 Months |
| ** Vehicle up to 10 years old - finance up to 90% of Black Book Clean retail |
| If Clean retail is not available, then up to 90% of Black Book Average retail |
| ** Vehicle with Salvage Titles - up to 70% of Black Book Average retail |
| ** Age of vehicle plus term of loan can not exceed 13 years |
| |
| New Boat |
10.00% |
9.50% |
84 Months |
| |
| Used Boat |
12.00% |
11.50% |
84 Months |
| |
| New Motorized RV (up to $100,000) |
8.25% |
7.75% |
120 Months |
| |
| Used Motorized RV (up to $100,000) |
8.25% |
7.75% |
120 Months |
| |
| New Travel Trailer Towable (up to $50,000) |
8.25% |
7.75% |
120 Months |
| |
| Used Travel Trailer Towable (up to $50,000) |
8.25% |
7.75% |
84 Months |
| |
| New Pop-Up/Fold Down (up to $50,000) |
8.25% |
7.75% |
72 Months |
| |
| Used Pop-Up/Fold Down (up to $50,000) |
8.25% |
7.75% |
60 Months |
| |
| * The credit union will finance up to 75% of NADA average retail value or 75% of the sales price, whichever is less. |
| |
| Mobile Home Loans (new without land-fixed) |
7.50% |
7.00% |
10 years |
| Mobile Home Loans (new without land-fixed) |
8.00% |
7.50% |
15 years |
| Mobile Home Loans (new without land-fixed) |
8.50% |
8.00% |
20 years |
| Mobile Home Loans (used without land-fixed) |
| 1-2 Years Old |
9.50% |
9.00% |
less than 10 years |
| 1-2 Years Old |
9.75% |
9.25% |
10-15 years |
| 3-4 Years Old |
10.00% |
9.50% |
10-15 years |
| 5-7 Years Old |
10.25% |
9.75% |
10-15 years |
| 7-10 Years Old |
10.50% |
10.00% |
10-15 years |
| |
| Land ($50,000 maximum loan) |
*** Call for current rates |
No Discount |
up to 10 years |
| |
| Vacation Home Loan (1 year *ARM) |
*** Call for current rates |
No Discount |
20 years |
| Vacation Home Loan (3 year *ARM) ($75,000 maximum loan) |
*** Call for current rates |
No Discount |
20 years |
| |
| Home Equity Line of Credit ($10,000 minimum & $100,000 maximum) |
*** Call for current rates |
No Discount |
15 years |
| |
| First Mortgage Loan (2 year *ARM) (up to 90% LTV) |
*** Call for current rates |
No Discount |
30 years |
| First Mortgage Loan (2 year *ARM) (90.1% to 100% LTV) |
*** Call for current rates |
No Discount |
30 years |
| First Mortgage Loan (5 year *ARM) (up to 90% LTV) |
*** Call for current rates |
No Discount |
30 years |
| First Mortgage Loan (5 year *ARM) (90.1% to 100% LTV) |
*** Call for current rates |
No Discount |
30 years |
| |
5 year *ARM
|
*** Call for current rates |
No Discount |
30 years |
| (95% LTV First Time Homebuyer PLUS $1000.00 for closing costs) |
