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Loan Rates & Terms
 
 

Rates Effective April 5, 2016. Rates subject to change without notice. Loan rates include a .25% reduction with Auto Pay.

Loan Type Term APR*
New Vehicles 36 Months 1.90% - 10.50%
  48 Months 2.15% - 10.50%
  60 Months 2.40% - 10.50%
  72 Months 3.25% - 10.50%
  84 Months 3.75% - 10.50%
Used Vehicles
Up To 7 Years Old
36 Months 2.00% - 10.50%
48 Months 2.25% - 10.50%
60 Months 2.50% - 10.50%
72 Months 3.25% - 10.50%
Older Auto Up To 1990 60 Months 3% Above Used Auto Rates
Vintage Auto 60 Months 3% Above Used Auto Rates
New & Used Boats, RVs, &
Travel Trailers

Up To 10 Years Old
36 Months 4.90% - 9.70%
48 Months 5.00% - 9.70%
60 Months 5.15% - 9.70%
84 Months 5.70% - 10.70%
120 Months 6.20% - 10.70%
Quick Qualifier 2nd Mortgage
48 Months 4.50% - 6.00%
60 Months 4.75% - 6.25%
72 Months 5.25% - 6.75%
84 Months 5.50% - 7.00%
Home Equity Line of Credit
   
Traditional HELOC    
Loan to value up to 50% 15 Years 3.75% - 5.75%
Loan to value up to 60% 15 Years 4.00% - 6.00%
Loan to value up to 70% 15 Years 4.50% - 6.25%
Home Equity Loans
   
Loan to value up to 50% 5 Years 4.25% - 8.00%
Loan to value up to 60% 5 Years 4.50% - 8.25%
Loan to value up to 70% 5 Years 5.25% - 9.25%
Loan to value up to 50% 10 Years 5.25% - 9.00%
Loan to value up to 60% 10 Years 5.50% - 9.25%
Loan to value up to 70% 10 Years 6.25% - 9.25%
Loan to value up to 50% 15 Years 5.75% - 9.50%
Loan to value up to 60% 15 Years 6.00% - 9.75%
Loan to value up to 70% 15 Years 6.75% - 9.75%
Motorcycles
Up To 10 Years Old
36 Months 4.90% - 9.70%
48 Months 5.00% - 9.70%
60 Months 5.15% - 9.70%
Signature w/Incidental Deed
Of Trust
Up To $25,000
60 Months 4.75% - 6.25%
Signature Loan
Up To $5,000
12 Months 5.75% - 15.75%
18 Months 5.75% - 15.75%
24 Months 5.75% - 15.75%
36 Months 5.75% - 15.75%
Share Secured Loans Up To 120 Months 2.75% Above Dividend Rate
Certificate Secured Loans Up To 120 Maturity 2.75% Above CD Rate
Double Your Money
1/2 Share Secured & 1/2 Signature,
Up To $20,000
Up To 60 Months 4.75% - 8.45%

  *  APR is the Annual Percentage Rate.
** Merit-Based Lending - Lowest Rates for all loans are stated for qualified members having high credit scores. Actual rates may be higher and will be determined by a member's individual credit score. These quoted rates are subject to change. Experian FICO scores below 600 cannot be considered for a loan without exception and management or board approval.

 
 
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