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Loan Rate Information

Call or come by the Credit Union for more information about our products and services. Ask an employee about our terms and fees involving these accounts.

Relationship Banking:

The Credit Union may offer a reduced rate of 0.50% APR on vehicle loans for members with any two of the services listed below. With a combination of any three of the following services, the credit union may offer a reduced rate of 0.75% APR.

• $500.00 or more in savings for more than three months
• direct deposit
• safe deposit box
• home equity loan/mortgage loan
• consumer loan
• checking account
• Visa credit/check card
• internet banking

Share Draft Protection will be given in increments of $100.00 up to a maximum of $500.00. Minimum payment on Over Draft Protection $50.00.

SHARE SECURE - APR IS 2% ABOVE PLEDGE SHARE RATE

Loan rates are determined by your credit worthiness and the terms you select. In addition, year, make, model, mileage (when applicable) and optional equipment of the collateral will also be considered at the time of the loan.

ALL BELOW RATES ARE SUBJECT TO CHANGE WITHOUT NOTICE.

Loan Type		Term (Months)		Financing Amount		Daily Periodic Rate		APR
New & Used Vehicles Including RV's,  & Specialty Vehicles		up to 60		up to 100%		0.0136986% to 0.0520547%		5.00% - 19.00%
		up to 72 $20,000 minimum		up to 100%		0.0136986% to 0.0308219%		5.00% - 11.25%
		up to 96 $30,000 minimum		up to 90%		0.0136986% to 0.0328767%		5.00% - 12.00%
		up to 120 $40,000 minimum		up to 90%		0.0136986% to 0.0356164%		5.00%-13.00%
New & Used Boats, Motorcycles, ATV's, Watercraft		same as above		up to 90%		0.0191780% to 0.0410958%		7.00% - 15.00%
Equipment (New)		48		90%		0.0239726%		8.75%
Equipment (Used)		36		75%		0.0239726%		8.75%
Computer		24		up to 100%		0.0212328%		7.75%
Household Goods		36		90%		0.0239726%		8.75%
Signature or Personal		36				0.0246575% to 0.0575342%		9.00% - 21.00%
Overdraft Protection		24				0.0410959%		15.00%
VISA Platinum Cards				minimum credit line $5000		Based on qualifications		8.9%
VISA Classic Cards				credit line $1000-$5000		Based on qualifications		11.99% -16.99%