Current Loan Rates
Rates Effective
01/01/2018
|
Rate Reductions Available on Vehicle and RV Loans |
| Automatic Payment |
0.25% |
|
New and Used Street Legal Vehicle Loan Rates up to 10 Years Old (2009-2018) |
|
Grade |
Score |
0-60 Months APR* |
61-72 Months APR* |
73-84 Months APR* |
85-96 Months APR* |
LTV |
| A |
700+ |
2.99% |
4.25% |
5.75% |
6.99% |
120% |
| B |
660-699 |
4.99% |
5.99% |
6.99% |
7.99% |
110% |
| C |
620-659 |
6.99% |
7.99% |
8.99% |
9.99% |
100% |
| D |
560-619 |
10.49% |
11.49% |
- |
- |
100% |
| 0 |
0 - Null |
12.99% |
- |
- |
- |
100% |
| E |
-559 |
15.49% |
- |
- |
- |
100% |
| New and Used Street Legal Vehicle Loan Rates 11-20 Years Old (1999-2008) |
| Grade |
Score |
0-60 Months APR* |
61-72 Months APR* |
LTV |
| A |
700+ |
4.99% |
5.99% |
120% |
| B |
660-699 |
6.49% |
7.49% |
110% |
| C |
620-659 |
7.99% |
8.99% |
100% |
| D |
560-619 |
11.49% |
- |
100% |
| 0 |
0 - Null |
13.99% |
- |
100% |
| E |
-559 |
16.49% |
- |
100% |
|
|
GPS units may be required at Underwriters discretion.
No Branded Titles |
| |
|
|
| Cars of Particular Interest Loan Rates |
| Grade |
Score |
0-60 Months APR* |
61-72 Months APR* |
LTV |
| A |
700+ |
4.49% |
7.49% |
100% |
| B |
660-699 |
6.49% |
8.49% |
100% |
| C |
620-659 |
7.99% |
9.99% |
90% |
| D |
560-619 |
11.49% |
- |
80% |
| E |
-559 |
16.49% |
- |
80% |
|
|
|
| Recreational Vehicle Loan Rates |
| Grade |
Score |
0-60 Months APR* |
61-72 Months APR* |
73-84 Months APR* |
85-120 Months APR* |
LTV |
| A |
700+ |
4.49% |
4.49% |
7.49% |
8.49% |
120% |
| B |
660-699 |
6.49% |
6.49% |
8.49% |
9.49% |
110% |
| C |
620-659 |
8.49% |
8.49% |
9.99% |
10.99% |
100% |
| D |
560-619 |
11.49% |
12.49% |
- |
- |
80% |
| E |
-559 |
16.49% |
17.49% |
- |
- |
80% |
|
Personal Loan Rates |
| Grade |
Score |
0-60 Months APR* |
| A |
700+ |
8.00% |
| B |
660-699 |
11.00% |
| C |
620-659 |
14.00% |
| D |
560-619 |
16.00% |
| E |
-559 |
18.00% |
|
|
|
Other Rates |
| Product |
APR* |
|
Classic Credit Card |
13.50% |
|
Platinum Credit Card |
9.90% |
|
Overdraft LOC |
18.00% |
|
Share Secured |
Share Rate +
3.00% |
|
CD Secured |
CD Rate +
2.00% |
|
|
80% LTV - HELOC Maximum term of 20 years. (5 Year Draw + up to 15 Year Re-Payment) |
| Grade |
Score |
Adj to Prime |
APR* |
Floor |
Ceiling |
Prime |
| A |
700+ |
0.75% |
5.50% |
4.00% |
- |
4.75% |
| B |
660-699 |
1.75% |
6.50% |
4.00% |
- |
| C |
620-659 |
2.75% |
7.50% |
4.00% |
- |
| D |
560-619 |
4.75% |
9.50% |
4.00% |
- |
| E |
-559 |
6.75% |
11.25% |
4.00% |
- |
| 100% LTV - H240 Maximum term of 20 years. (5 Year Draw + up to 15 Year Re-Payment) |
| Grade |
Score |
Adj to Prime |
APR* |
Floor |
Ceiling |
Prime |
| A |
700+ |
1.75% |
6.50% |
5.00% |
- |
4.75% |
| B |
660-699 |
2.75% |
7.50% |
5.00% |
- |
| C |
620-659 |
3.75% |
8.50% |
5.00% |
- |
| D |
560-619 |
5.75% |
10.50% |
5.00% |
- |
| E |
-559 |
7.75% |
12.50% |
5.00% |
- |
Note: HELOC 100% LTV Maximum Loan Amount $50,000.00.
*Annual Percentage Rate (APR) is accurate as of publication date and is subject to change. All loans subject to credit approval. Your actual Annual Percentage Rate may differ based on your credit history, approved loan amount, term, down payment. All rates are subject to change as a result of Board of Directors' action. Other conditions may apply.
Equal Opportunity Lender. This Credit Union is Federally Insured by the Nation Credit Union Administration.
Equal Housing Lender 