Loan Rates
New Car Loan Rates
Information effective June 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 | 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. |
|
Used Car Loan Rates
Information effective June 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 | 5.74%** |
| 61 - 72 months | 5.99%** |
| 73 - 84 months | 6.74%** |
| *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. |
|
Visa Credit Card Terms & Rates
Information effective June 1, 2023.| Type | Rate or Fee |
|---|---|
| Introductory rate for first 6 billing cycles | 2.99% APR* |
| Purchases | as low as 13.00% APR* |
| Balance Transfers | as low as 13.00% APR* |
| Cash Advances | as low as 13.00% 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. |
|
Personal Lending Rates
Information effective June 1, 2023.| Type | Term | APR* as low as |
|---|---|---|
| Personal Loan* | up to 60 months | 12.49%; 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. |
||
Home Equity Lending Rates
Information effective June 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. |
||
Motorcycle & ATV Loan Rates
Information effective June 1, 2023.| Term | APR* as low as |
|---|---|
| up to 48 months | 7.00%** |
| 49 - 72 months | 8.00%** |
| *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. ** Rate shown above includes 0.25% APR* automatic payment discount. |
|
Recreational Vehicle Loan Rates
Information effective June 1, 2023.| Term | APR* as low as |
|---|---|
| up to 60 months | 7.00%** |
| 61 - 120 months | 8.00%** |
| *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. ** Rate shown above includes 0.25% APR* automatic payment discount. |
|
Boat Loan Rates
Information effective June 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. |
||
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.
Dividend Rates
Savings Rates
Information effective June 1, 2023.| Share Type | Dividend Rate | APY* |
|---|---|---|
| Share Savings | 0.05% | 0.05% |
| Christmas Club | 0.05% | 0.05% |
| Planners Club | 0.05% | 0.05% |
| Share Draft (Checking) | 0.01% | 0.01% |
| * APY = Annual Percentage Yield. | ||
Regular Share Certificates
Information effective June 1, 2023.| Term & Type | Dividend Rate | APY* |
|---|---|---|
| 5 Months (special, non-renewable) | 3.00% | 3.04% |
| 12 Months | 2.25% | 2.27% |
| 14 Months (special, non-renewable) | 3.50% | 3.55% |
| 30 Months | 2.75% | 2.78% |
| 48 Months | 3.25% | 3.29% |
| * APY = Annual Percentage Yield. Minimum balance for certificates is $500. Certificate rates are subject to change at any time. Please call for current rates. Your certificate will automatically renew at the rate in effect at the time of maturity unless we are contacted on or before your maturity date; exceptions are the non-renewable 5 Month Certificate (whose funds will be deposited into the member's Share Savings account upon maturity) and the non-renewable 14 Month Certificate (whose funds will be deposited into a 12 Month Certificate upon maturity). You have ten calendar days after maturity to redeem your certificate without penalty if you do not want to review. Upon automatic renewal, the term will be the same as the original term. Penalty for early withdrawal on Certificates and IRAs. IRAs are also subject to IRS penalties. |
||
IRA & Education Share Certificates
Information effective June 1, 2023.| Term & Type | Dividend Rate | APY* |
|---|---|---|
| 5 Months (special, non-renewable) | 3.00% | 3.04% |
| 12 Months | 2.25% | 2.27% |
| 14 Months (special, non-renewable) | 3.50% | 3.55% |
| 30 Months | 2.75% | 2.78% |
| 48 Months | 3.25% | 3.29% |
| * APY = Annual Percentage Yield. Minimum balance for certificates is $500. Certificate rates are subject to change at any time. Please call for current rates. Your certificate will automatically renew at the rate in effect at the time of maturity unless we are contacted on or before your maturity date; exceptions are the non-renewable 5 Month Certificate (whose funds will be deposited into the member's Share Savings account upon maturity) and the non-renewable 14 Month Certificate (whose funds will be deposited into a 12 Month Certificate upon maturity). You have ten calendar days after maturity to redeem your certificate without penalty if you do not want to review. Upon automatic renewal, the term will be the same as the original term. Penalty for early withdrawal on Certificates and IRAs. IRAs are also subject to IRS penalties. |
||