Loan Rates
*APR= Annual Percentage Rate
Auto Loans
| Loan Type | Term | APR |
|---|---|---|
| 2016 & Newer | 36-84 months | 3.44%-18.00% APR |
| 2011-2015 | 36-84 months | 3.94%-18.00% APR |
| 2010 & Older | 36-84 months | 4.44%-18.00% APR |
| First Time Auto Buyer | Up to 60 months | 12.50% APR |
| New & Used RV/Boat | Up to 120 months | 5.00%-13.25% APR |
APR= Annual Percentage Rate. Rate 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 |
Other Consumer Loans
| Loan Type | Term | APR |
|---|---|---|
| Unsecured | Up to 36 mos. | 9.90%-12.25% APR |
| Unsecured Line of Credit* | 36 mos. base | 9.90%-12.25% APR* |
| New Consumer Goods** | Up to 36 mos | 6.99%-12.00% APR** |
| Shared Secured | Up to 60 mos | Share Rate + 2.50% APR |
| Shared Certificate Secured | Cert. Term | Certificate Rate + 2.00% APR |
*Annual Fee of $10.00 for Unsecured Lines of Credit
**New 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 Loans & Lines of Credit
| Loan Type | Term | APR |
|---|---|---|
| Home Equity Loan | Up to 120 mos. | 4.00%- 8.00% APR |
| Home Equity Line of Credit* | Click here for Current Special | 6.00% APR* |
| Home Improvement | Up to 120 mos. | 6.50%- 9.75% APR |
| Overdraft LOC** | 13.90%-16.00% APR** |
* VARIABLE RATE. Rate based on prime rate + .50% APR. $25.00 annual fee. Closing costs vary. Consult your tax advisor for your deductibility status.
** Annual fee of $12.00 first charged upon opening. Transfer/advance fee from loan of $2.00. For OD only, may not take advances other than ODs. Minimum monthly payment is $25; then 10% of balance, rounded up $5. Limits of $250 to $1,000; cannot exceed limit.
Mortgage
Our mortgage rates are updated daily.
Click here for our current Mortgage Rates.
*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.
The money you place in your Credit Union savings account is federally insured up to $250,000 by the National Credit Union Administration (NCUA).
