Loan Rates
Rates Accurate as of Today
All rates are subject to change at anytime. Account fees may reduce earnings. For Certificate Accounts, there is a penalty for early withdrawal of principal.
Vehicle Loans
| Loan Type | up to 60 months | 61 to 72 months | 73 to 84 months | Max. APR1 |
|---|---|---|---|---|
| 2017 & Newer | 2.25% APR | 2.37% APR | 2.80% APR | 18.00% APR |
| 2012-2016 | 2.75% APR | 2.87% APR | 3.30% APR | 18.00% APR |
| 2011 & Older | 3.25% APR | 3.37% APR | 3.80% APR | 18.00% APR |
| First Time Auto Buyer | 12.50% APR | 12.50% APR | ||
| Toy Loans2 | 5.00%3 APR | 13.25% APR | ||
1APR = Annual Percentage Rate.
2Toy Loans = New and used RVs, ATVs, boats, motorcycles, snowmobiles, jet skis, trailers, and other recreational vehicles.
3Motorcylce, RV, and most other toy loans have a maximum term of 120 months.
Vehicle Loan rates determined by certain credit criteria, collateral and term of loan. Minimum amounts apply to qualify for longer terms and longer terms will increase rates. Payment example: If you borrow $20,000 for 72 months at 4.64% APR, your monthly payment would be $318.78.
Credit Cards
| Card Type | Grace Period | Fees | APR* |
|---|---|---|---|
| Visa Credit Card | 25 days | No Annual Fee | 9.90% APR |
*Annual Percentage Rate.
Visa Credit Card Application Disclosure
Other Loans
| Loan Type | Term | APR* |
|---|---|---|
| Unsecured | Up to 36 months | 9.90% to 12.25% APR |
| Unsecured Line of Credit1 | 36 months base | 9.90% to 12.25% APR1 |
| Overdraft LOC2 | 36 months base | 13.90% to 16.00%APR2 |
| New Consumer Goods3 | Up to 36 months | 6.99% to 12.00% APR3 |
| Shared Secured | Up to 60 months | Share Rate + 2.50% APR |
| Shared Certificate Secured | Certificate Term | Certificate Rate + 2.00% APR |
*Annual Percentage Rate.
1Annual Fee of $10.00 for Unsecured Lines of Credit.
2Annual fee of $12.00 first charged upon opening. Transfer/advance fee from loan of $2.00. Advances used to cover overdrafts only and are initiated by the credit union. Minimum monthly payment is $25; then 10% of balance, rounded up $5. Limits of $250 to $1,000; cannot exceed limit.
3New consumer goods include furniture, appliances, audio and video equipment, personal watercraft, garden tractors, snowmobiles, 4-wheelers. Must be new merchandise unless titled. A UCC financing statement is filed at borrower cost.
Home Equity
| Loan Type | Term | APR* |
|---|---|---|
| Home Equity Loan | Up to 120 mos. | 4.00% to 8.00% APR |
| Home Equity Line of Credit† | 12-month Intro Rate | Up to 120 mos. | 2.50% APR† |
| Home Equity Line of Credit† | Up to 120 mos. | 3.75% APR† |
| Home Improvement | Up to 120 mos. | 6.50% to 9.75% APR |
*Annual Percentage Rate.
†VARIABLE RATE. Rate based on prime rate + .50% APR. $25.00 annual fee. Closing costs vary. Consult your tax advisor for your deductibility status.
Mortgages
Our mortgage rates are updated daily. Click here for current mortgage rates.
Your savings account are federally insured up to $250,000 by the National Credit Union Administration (NCUA).
