Consumer Loan Rates

Rates Effective as of July 01, 2019

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Loan Type

Term

Annual Percentage Rate (APR)

Share Secured

(up to) 60 months

2.50%***

Share Secured

(up to) 120 months

3.50%***

Share Certificate Secured

(up to) 120 months

2.50%**

Signature

(up to) 60 months

12.15%-18.00%

Signature (Quarterly Promotion $5000 max)

(up to) 12 months

6.50%-9.50%

Signature (Quarterly Promotion $3001-$5000 max)

(up to) 24 months

7.50%10.50%

PCS Loan

(up to) 12 months

5.00%

PAL Loan

(up to) 6 months

18.00%

Fast Cash Line of Credit

Payment is 3.50% of Unpaid Balance

N/A 

12.15%

Overdraft Line of Credit

N/A 

18.00%

New/Used Vehicles (2017-2019)

(up to) 60 months

2.99%-17.80%

New/Used Vehicles (2017-2019)

61 to 75 months

3.89%-17.80%

 New/Used Vehicles (2017-2019)

76 to 84 months

4.09%-11.59%

Used Vehicles (2014-2016)

(up to) 60 months 

3.99%-17.80%

Used Vehicles (2014-2016)

61 to 75 months

4.29%-17.80%

 Used Vehicles (2014-2016)**$18,000.00 or higher

76 to 84 months 

4.49%- 11.99%

Used Vehicles (2010-2013)****$18,000.00 or higher

(up to) 60 months

5.34%-17.80%

Older Used Vehicles (2009 & Older)

(up to) 60 months

7.29%-17.80%

New Motorcycle 100% Retail** over 20K 84 mos

(up to) 84 months

4.25%-11.75%

Used Motorcycle 100% Retail/NADA

(up to) 72 months

4.50%-12.00%

New Boat 100% Retail

(up to) 96 months

4.25%-11.75%

Used Boat 100% Retail/NADA

(up to) 72 months

4.50%-12.00%

New Motor Home/Travel Trailer 100% Retail

(up to) 120 months

4.25%-11.75%

Used Motor Home/Travel Trailer 100% Retail/NADA

(up to) 96 months

4.50%-12.00%

Storm Shelter

(up to) 48 months

2.75%-10.25%

 

Minimum Payment Never Less Than $25.00 Monthly
RATES ARE SUBJECT TO CHANGE WITHOUT NOTICE. Rates do not apply to existing credit union loans. Please contact credit union for further details.
New cars up to MSRP and used cars up to NADA retail.
Risk Based: The Annual Percentage Rate (APR) you receive will be within the range disclosed above and is based on your credit worthiness. All loans are subject to approval. Other restrictions may apply.
 **Share Certificate Secured: The Annual Percentage Rate (APR) will be the dividend rate being paid on the Share Certificate offered as security plus 2.50%. Please contact credit union for further details.
***Share Secured: The Annual Percentage Rate (APR) will be the dividend rate being paid on the Share Account at the time of origination plus 2.50% for loans up to 60 months, 3.50% for loans up to 120 months. Please contact the credit union for further details.
****Loan amount for term indicated

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