Rates Effective 07/01/2020
| LOAN TYPE | TERM | APR**** |
|---|---|---|
| New Vehicles | Up 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 Collateral | Up to 72 months | Starting at 5.00% |
| Used (off road) Recreational Collateral | Up to 60 months | Starting at 5.50% |
| New Recreational Collateral | Up to 120 months (min $25,000 loan) Up to 84 months | Starting at 5.25% Starting at 5.00% |
| Used Recreational Collateral | Up to 120 months (min. $25,000 loan) Up to 72 months | Starting at 7.00% Starting at 6.00% |
| New Equipment | Up to 84 months (min. $20,000 loan) Up to 60 months | Starting at 7.00% Starting at 6.50% |
| Used Equipment | Up to 60 months | Starting at 7.50% |
| New Mobile Home | 15 years | 9.25% |
| Used Mobile Home (year 1990 and newer) | 10 years | 10.50% |
| Share / Share Certificate Secured | Not to exceed term on certificate or 1 year on share accounts | *** APR of Deposit + 3.00% |
| Edit Your Credit Secured Loan | Up to 24 months | 8.50% |
| Overdraft Protection | 16.00% | |
| Unsecured Line of Credit ** | Starting at *Prime + 4.50% Floor rate of 12% |
|
| Personal (Signature) Loans | Up 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 years | Note rate starting at 9.00% 9.295% APR |
| Mortgages | Up to 15 years | Note rate starting at 4.50% 4.688% APR |
| Mortgages | Up 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.