New Car Loan Rates
Information effective January 1, 2023.100% financing (not to exceed 100% MSRP) plus taxes, tags, warranties and credit insurance.
| Term | APR* as low as |
|---|---|
| up to 60 months | 4.74%** |
| 61 - 72 months | 4.99%** |
| 73 - 84 months | 5.74%** |
| *APR = Annual Percentage Rate. Rates quoted are the lowest available ("as low as"). Actual rate may differ and depends on the applicant's and/or co-applicant's credit history. Rates are subject to change. Please contact the credit union for the most current and up-to-date rates. ** Rate shown above includes 0.25% APR* automatic payment discount. |
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Used Car Loan Rates
Information effective January 1, 2023.Amount financed will be the lesser of the purchase price or NADA retail value, plus taxes, tags, warranties and credit insurance.
| Term | APR* as low as |
|---|---|
| up to 60 months | 5.24%** |
| 61 - 72 months | 5.49%** |
| 73 - 84 months | 6.24%** |
| *APR = Annual Percentage Rate. Rates quoted are the lowest available ("as low as"). Actual rate may differ and depends on the applicant's and/or co-applicant's credit history. Rates are subject to change. Please contact the credit union for the most current and up-to-date rates. ** Rate shown above includes 0.25% APR* automatic payment discount. |
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Visa Credit Card Terms & Rates
Information effective January 18, 2023.| Type | Rate or Fee |
|---|---|
| Introductory rate for first 6 billing cycles | 2.99% APR* |
| Purchases | as low as 12.50% APR* |
| Balance Transfers | as low as 12.50% APR* |
| Cash Advances | as low as 12.50% APR* |
| Annual Fee | None |
| Balance Transfer Fee | None |
| Cash Advance Fee | None |
| Over-the-Credit Limit Fee | None |
| Late or Returned Payment Fee | $20.00 |
| *APR = Annual Percentage Rate. Rates quoted are the lowest available ("as low as"). Actual rate may differ and depends on the applicant's and/or co-applicant's credit history. Rates are subject to change. View full terms and disclosures. |
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Personal Lending Rates
Information effective January 1, 2023.| Type | Term | APR* as low as |
|---|---|---|
| Personal Loan* | up to 60 months | 11.74%; includes 0.25% APR* automatic loan payment discount. |
| Share Secured Loan** | up to 60 months | Dividend + 2.00% (Minimum 3.00%) |
| Personal Line of Credit | Revolving | Prime*** + 5.00% |
| *APR = Annual Percentage Rate. Rates quoted are the lowest available ("as low as"). Actual rate may differ and depends on the applicant's and/or co-applicant's credit history. Rates are subject to change. Please contact the credit union for the most current and up-to-date rates. ** Borrowed amount may not exceed amount in savings or certificate. IRA accounts not permitted for this type of loan. Longer terms available depending on amount borrowed. *** Prime rate as published at www.fedprimerate.com. The equity loan rate is subject to change on the first day of the quarter (January, April, July & October) following a change in the prime rate. |
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Home Equity Lending Rates
Information effective January 1, 2023.Loan Amount $10,000 – $150,000
| Term | Amount | APR* as low as |
|---|---|---|
| Revolving Line of Credit | 80% Appraised Value less First Mortgage | Prime** + .25% |
| Revolving Line of Credit | 90% Appraised Value less First Mortgage | Prime** + 1.00% |
| * APR = Annual Percentage Rate. Credit union will pay closing costs; however, if the line of credit is paid off within 3 years, reimbursement is due to the credit union. Appraisal Fee: $400. Processing time: 3 to 4 weeks. ** Prime rate as published at www.fedprimerate.com. The equity loan rate is subject to change on the first day of the quarter (January, April, July & October) following a change in the prime rate. Draw Period: 15 years (access with home equity checks); First Advance: $2,500 minimum; $500 increments thereafter. |
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Motorcycle & ATV Loan Rates
Information effective January 1, 2023.| Term | APR* as low as |
|---|---|
| up to 48 months | 3.99%** |
| 49 - 72 months | 4.49%** |
| *APR = Annual Percentage Rate. Rates quoted are the lowest available ("as low as"). Actual rate may differ and depends on the applicant's and/or co-applicant's credit history. Rates are subject to change. Please contact the credit union for the most current and up-to-date rates. ** Rate shown above includes 0.25% APR* automatic payment discount. |
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Recreational Vehicle Loan Rates
Information effective January 1, 2023.| Term | APR* as low as |
|---|---|
| up to 60 months | 4.49%** |
| 61 - 120 months | 4.99%** |
| *APR = Annual Percentage Rate. Rates quoted are the lowest available ("as low as"). Actual rate may differ and depends on the applicant's and/or co-applicant's credit history. Rates are subject to change. Please contact the credit union for the most current and up-to-date rates. ** Rate shown above includes 0.25% APR* automatic payment discount. |
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Boat Loan Rates
Information effective January 1, 2023.No vessels over 5 ton net weight.
| Condition, Amount & Term | Down Payment | APR* as low as |
|---|---|---|
| New up to $25,000; 7 Years New over $25,000; 10 Years | 10% | 6.49%** |
| New up to $25,000; 7 Years New over $25,000; 10 Years | 20% | 5.99%** |
| Used up to $25,000;*** 7 Years Used over $25,000;*** 10 Years | Any | 7.49% |
| *APR = Annual Percentage Rate. Rates quoted are the lowest available ("as low as"). Actual rate may differ and depends on the applicant's and/or co-applicant's credit history. Rates are subject to change. Please contact the credit union for the most current and up-to-date rates. ** Rate shown above includes 0.25% APR* automatic payment discount. *** Used amount financed based on Wholesale Book Value. |
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Mortgage Loans
We also offer low-rate first mortgage loans through our mortgage partner, Credit Union Mortgage Association (CU Mortgage). Please visit the CU Mortgage website for current rates or to apply for a mortgage.