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Loan Rates

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Loan Rates

New & Used Vehicles
Effective Date: Sunday, July 21st, 2019
Maximum TermCredit ScoreInterest Rate and APR
2017 & Newer
84 Months (7 years) 750+ 4.75%
  700-749 5.25%
  675-699 6.25%
  674 - N/A
2016 & Newer
72 Months (6 years) 750+ 4.50%
  700-749 5.00%
  675-699 6.00%
  650-674 7.00%
  649 - 8.00%
2013 & Newer
60 Months (5 years) 750+ 3.90%
  700-749 3.90%
  675-699 3.90%
  650-674 3.90%
  649- 3.90%
2013 & Newer
48 Months (4 years) 750+ 3.90%
  700-749 3.90%
  675-699 3.90%
  650-674 3.90%
  649 - 3.90%
2012 & Older
48 Months (4 years) 750+ 5.00%
  700-749 5.50%
  675-699 6.50%
  650-674 7.50%
  649 - 8.50%
2012 & Older
36 Months (3 years) 750+ 4.75%
  700-749 5.25%
  675-699 6.25%
  650-674 7.25%
  649 - 8.25%

Fresh Start Program
Effective Date: Sunday, July 21st, 2019
The Fresh Start Program is for members who do not qualify for our regular loan program per policy but show other positive factors.
AmountMaximum TermInterest Rate and APR
$9001 or above 4 Year 10.00%
$6001 - $9000 3 Year 10.00%
$3001 - $6000 2 Year 10.00%
$3000 or below 1 Year 10.00%

High LTV Loans
Effective Date: Sunday, July 21st, 2019
  • Some members may qualify for an auto loan for over the book value based on the following criteria
     
  • Minimum credit score of 700
     
  • Max DTI 35%
     
  • Max LTV 125% - Not including GAP or Warranty
     
  • Term may be shorter due to mileage

Recreational and Other Secured
Effective Date: Sunday, July 21st, 2019
TermCredit ScoreInterest Rate and APR
RV, ATV, Other Secured
2012 & Older
60 Months (5 years) 750+ 5.50%
  700-749 6.50%
  675-699 7.50%
  650-674 8.50%
  649 - 10.50%
RV, ATV, Other Secured
2013 & Newer
60 Months (5 years) 750+ 3.90%
  700-749 3.90%
  675-699 3.90%
  650-674 3.90%
  649 - 3.90%
RV, ATV, Other Secured
2014 & Newer
120 Months (10 years) 750+ 5.75%
  700-749 6.75%
  675-699 7.75%
  650-674 8.75%
  649 - 10.75%
Boat, Motor, Trailer & Lift
2012 & Older
60 Months (5 years) 750+ 5.50%
  700-749 6.50%
  675-699 7.50%
  650-674 8.50%
  649 - 10.50%
Boat, Motor, Trailer & Lift
2013 & Newer
60 Months (5 years) 750+ 3.90%
  700-749 3.90%
  675-699 3.90%
  650-674 3.90%
  649 - 3.90%
Boat, Motor, Trailer & Lift
2014 & Newer
120 Months (10 years) 750+ 5.25%
  700-749 6.00%
  675-699 7.00%
  650-674 8.00%
  649 - 10.00%
Motorcycles
2013 & Newer
60 Months (5 years) 750+ 3.90%
  700-749 3.90%
  675-699 3.90%
  650-674 3.90%
  649 - 3.90%
Motorcycles
2012 & Older
48 Months (4 years) 750+ 6.00%
  700-749 7.00%
  675-699 8.00%
  650-674 9.00%
  649 - 11.00%
Terms based on vehicles with average mileage. The Credit Union may reduce term on higher mileage vehicles. Other circumstances such as excellent credit history, down payment or low mileage may warrant extension of term. Interest rates based on credit score at time of application. Applicants must meet underwriting guidelines to be approved. Loan amount must qualify for term.

Classic/Antique Auto Loans
Effective Date: Sunday, July 21st, 2019
Maximum TermCredit ScoreInterest Rate and APR
60 Months (5 years) 700+ 4.15%
  675-699 5.65%
  650-674 6.65%
  649 - 7.65%

Share Savings Secured Loans
Effective Date: Sunday, July 21st, 2019
Interest RateAPRMaximum Term
3.25% 3.25% MAX TERM 36 MONTHS
Loans secured by savings require a 3 year balloon.

Share Certificate Secured Loans
Effective Date: Sunday, July 21st, 2019
Interest RateAPRTerm
CD rate + 2% CD Rate +2% Minimum 12 Months
Loans secured by CD's must not have a contract term that exceeds CD term.

Unsecured Loans
Effective Date: Sunday, July 21st, 2019
Maximum TermCredit ScoreInterest Rate and APR
Unsecured - Closed End Loan
48 Months (4 years) 750+ 7.50%
  700-749 9.00%
  675-699 10.00%
  650-674 11.50%
  649 - 13.50%
Revolving Line of Credit Loan
60 Months (5 years) 750+*** 5.90%***
  700+ 8.90%
  675-699 10.90%
  650-674 13.90%
  649 - 15.90%
***The Revolving Line of Credit Rate of 5.90% MUST meet the following qualifications:
  • 750+ Credit Score
  • Must have a Savings & Checking with the Credit Union
  • Must have one additional loan with the Credit Union

Credit Cards
Effective Date: Sunday, July 21st, 2019
Maximum TermCredit ScoreInterest Rate and APR
Visa Platinum Credit Card
Revolving 700+ 7.90%
Visa Classic Credit Card
Revolving 675-699 9.90%
  674 - 12.90%
Visa Secured Credit Card
Revolving N/A 12.90%