New Car Loan Rates
Information effective January 1, 2021.100% financing (not to exceed 100% MSRP) plus taxes, tags, warranties and credit insurance.
| Term | APR* as low as |
|---|---|
| *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. |
|
| up to 60 months | 3.24%** |
| 61 - 72 months | 3.49%** |
| 73 - 84 months | 4.24%** |
Used Car Loan Rates
Information effective January 1, 2021.Model years 2013 through 2020. 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 |
|---|---|
| *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. |
|
| up to 60 months | 3.49%** |
| 61 - 72 months | 3.74%** |
| 73 - 84 months | 4.49%** |
Visa Credit Card Terms & Rates
Information effective January 1, 2021.| Type | Rate or Fee |
|---|---|
| *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. |
|
| Purchases | as low as 8.25% APR* |
| Balance Transfers | as low as 8.25% APR* |
| Cash Advances | as low as 8.25% 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 |
Personal Lending Rates
Information effective January 1, 2021.| Type | Term | APR* as low as |
|---|---|---|
| *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. |
||
| 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% |
Home Equity Lending Rates
Information effective January 1, 2021.Loan Amount $10,000 – $150,000
| Term | Amount | APR* as low as |
|---|---|---|
| * 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: $350. 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. |
||
| 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% |
Motorcycle & ATV Loan Rates
Information effective January 1, 2021.| Term | APR* as low as |
|---|---|
| *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. |
|
| up to 48 months | 3.49%** |
| 49 - 72 months | 3.99%** |
Recreational Vehicle Loan Rates
Information effective January 1, 2021.| Term | APR* as low as |
|---|---|
| *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. |
|
| up to 60 months | 3.99%** |
| 61 - 120 months | 4.49%** |
Boat Loan Rates
Information effective January 1, 2021.No vessels over 5 ton net weight.
| Condition, Amount & Term | Down Payment | APR* as low as |
|---|---|---|
| *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. |
||
| New up to $25,000; 7 Years New over $25,000; 10 Years | 10% | 5.99%** |
| New up to $25,000; 7 Years New over $25,000; 10 Years | 20% | 5.49%** |
| Used up to $25,000;*** 7 Years Used over $25,000;*** 10 Years | Any | 6.99% |
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.