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Loans

Rates Effective 07/01/2020

LOAN TYPETERMAPR****
New VehiclesUp to 84 months (min. $25,000 loan)

Up to 72 months
Starting at 4.75%

Starting at 3.75%
Used Vehicles
2020 - 2017


2016 - 2013
2012 and older
Up to 84 months (min $25,000 loan)

Up to 72 months


Up to 60 months
Up to 48 months
Starting at 4.75%

Starting at 3.75%


Starting at 4.50%
Starting at 6.00%
New (off road) Recreational CollateralUp to 72 monthsStarting at 5.00%
Used (off road) Recreational CollateralUp to 60 monthsStarting at 5.50%
New Recreational CollateralUp to 120 months (min $25,000 loan)

Up to 84 months
Starting at 5.25%

Starting at 5.00%
Used Recreational CollateralUp to 120 months (min. $25,000 loan)

Up to 72 months
Starting at 7.00%

Starting at 6.00%
New EquipmentUp to 84 months (min. $20,000 loan)

Up to 60 months
Starting at 7.00%

Starting at 6.50%
Used EquipmentUp to 60 monthsStarting at 7.50%
New Mobile Home15 years9.25%
Used Mobile Home (year 1990 and newer)10 years10.50%
Share / Share Certificate SecuredNot to exceed term on certificate or 1 year on share accounts*** APR of Deposit + 3.00%
Edit Your Credit Secured LoanUp to 24 months 8.50%
Overdraft Protection16.00%
Unsecured Line of Credit **Starting at *Prime + 4.50%
Floor rate of 12%
Personal (Signature) LoansUp to 48 months
Up to 36 months
Up to 24 months
Up to 12 months
Starting at 14.25%
Starting at 12.25%
Starting at 9.75%
Starting at 7.50%
Home Equity Line of Credit**Starting at *Prime + .50%
Land (unimproved -
no habitable dwelling)
Up to 10 yearsNote rate starting at 9.00%
9.295% APR
MortgagesUp to 15 yearsNote rate starting at 4.50%
4.688% APR
MortgagesUp to 20 years
(min $75,000 loan)
Note rate starting at 4.75%
4.899% APR

 

*Current Prime Rate: 3.25%
**Rates may vary.
***Share/Share Certificate Secured: The Annual Percentage Rate (APR) will be the dividend rate being paid on the Certificate offered as security plus 3.00%. Please contact the credit union for further details.
****Annual Percentage Rate

Not all applicants will qualify for the lowest rate.