Loan Rates
Effective November 27th, 2012
Loan rates and terms are determined by credit score, collateral value, collateral type, amount financed, and other factors. Rates and terms are subject to change without notice, some restrictions may apply.
New Vehicles1
| Maximum Terms |
>730 |
729-680 |
679-640 |
639-600 |
599-550 |
<549 |
| 60 Mo. |
1.79% |
2.29% |
3.29% |
5.29% |
6.79% |
9.79% |
| 66 Mo. |
2.19% |
2.69% |
3.69% |
5.69% |
7.19% |
10.19% |
| 72 Mo. |
2.49% |
2.99% |
3.99% |
5.99% |
7.49% |
10.49% |
Used Vehicles2
| Maximum Terms |
>730 |
729-680 |
679-640 |
639-600 |
599-550 |
<549 |
| 60 Mo. |
1.89% |
2.39% |
3.39% |
5.39% |
6.89% |
9.89% |
| 66 Mo. |
2.19% |
2.69% |
3.69% |
5.69% |
7.19% |
10.19% |
| 72 Mo. |
2.49% |
2.99% |
3.99% |
5.99% |
7.49% |
10.49% |
Boats/RV's/Commercial Vehicles
| Maximum Terms |
>730 |
729-680 |
679-640 |
639-600 |
599-550 |
<549 |
| 60 Mo. |
3.25% |
4.25% |
5.75% |
8.25% |
10.25% |
12.29% |
| 72 Mo. |
4.25% |
5.25% |
6.75% |
9.25% |
11.25% |
13.25% |
| 84 Mo.3 |
4.50% |
5.50% |
7.00% |
9.50% |
11.50% |
13.50% |
| 120 Mo.3 |
4.75% |
5.75% |
7.25% |
9.75% |
11.75% |
13.75% |
New/Used Motorcycle/ Watercraft
| Maximum Terms |
>730 |
729-680 |
679-640 |
639-600 |
599-550 |
<549 |
| 60 Mo. |
6.25% |
7.25% |
8.75% |
11.25% |
13.25% |
15.25% |
Signature / Line of Credit
| Maximum Terms |
>730 |
729-680 |
679-640 |
639-600 |
599-550 |
<549 |
| 60 Mo. |
9.90% |
10.90% |
12.90% |
14.90% |
16.90% |
17.90% |
Furniture, Appliance, PC's
| Maximum Terms |
>730 |
729-680 |
679-640 |
639-600 |
599-550 |
<549 |
| 30 Mo. |
8.75% |
9.75% |
11.25% |
13.75% |
15.75% |
17.75% |
Stock Secured
| Maximum Terms |
>730 |
729-680 |
679-640 |
639-600 |
599-550 |
<549 |
| 48 Mo. |
7.50% |
8.50% |
10.00% |
12.50% |
14.50% |
16.50% |
Share/Money Market4
| Maximum Terms |
>730 |
729-680 |
679-640 |
639-600 |
599-550 |
<549 |
| 60 Mo. |
3.50% |
3.50% |
3.50% |
3.50% |
3.50% |
3.50% |
Visa Credit Card
| Maximum Terms |
>730
|
729-680 |
679-640 |
639-600 |
599-550 |
<549 |
| N/A |
9.90% |
9.90% |
9.90% |
9.90% |
9.90% |
9.90% |
Home Equity5
| Maximum Terms |
>730 |
729-680 |
679-640 |
639-600 |
599-550 |
<549 |
| 60 Mo. |
2.99% |
3.49% |
3.99% |
4.99% |
5.99% |
6.99% |
| 120 Mo. |
3.55% |
4.05% |
4.55% |
5.55% |
6.55% |
7.55% |
| 180 Mo. |
3.70% |
4.20% |
4.70% |
5.70% |
6.70% |
7.70% |
| 240 Mo. |
3.95% |
4.45% |
4.95% |
5.95% |
6.95% |
7.95% |
Home Improvement
| Maximum Terms |
>730 |
729-680 |
679-640 |
639-600 |
599-550 |
<549 |
| 60 Mo. |
5.55% |
6.05% |
6.55% |
7.55% |
8.55% |
9.55% |
| 120 Mo. |
5.95% |
6.45% |
6.95% |
7.95% |
8.95% |
9.95% |
| 180 Mo. |
6.25% |
6.75% |
7.25% |
8.25% |
9.25% |
10.25% |
1 New Vehicle- New, never titled vehicles; or new vehicles titled in the past 30 days.
2 Used Vehicle- any previously titled vehicle- includes refinance, purchase, etc.
3 Minimum loan amount of $25,000
4 Share Certificate - The APR will be the dividend rate being paid on the Certificate offered as security plus 1.00%. The advance will be made for the length of the Certificate only. The present APR and daily periodic rate will be disclosed on the voucher at the time of the advance.
Extended Certificate - The APR will be the dividend rate being paid on an equivalent term Certificate plus 1.25%. The certificate used as collateral must be renewed as necessary until the advance is completely paid. The present APR and daily periodic rate will be disclosed at the time of the advance.
5 Home Equity - Rates and Terms for loans over $200,000 may vary.
The Annual Percentage Rate (A.P.R.) you receive will be within the range disclosed above and is based on your credit worthiness. Please contact the credit union to determine the rate you qualify for. NMLS # 422857
