Current Loan Rates

Rates Effective 10/01/2016

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
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% Up to 120%
B 660-699 4.99% 5.99% 6.99% 7.99% Up to 110%
C 620-659 6.99% 7.99% 8.99% 9.99% Up to 100%
D 560-619 10.49% 11.49% - - Up to 100%
0 0 - Null 12.99% - - - Up to 100%
E -559 15.49% - - - Up to 100%

New and Used Street Legal Vehicle Loan Rates 11-20 Years Old
Grade Score 0-60 Months APR* 61-72 Months APR* LTV
A 700+ 4.99% 5.99% Up to 120%
B 660-699 6.49% 7.49% Up to 110%
C 620-659 7.99% 8.99% Up to 100%
D 560-619 11.49% - Up to 100%
0 0 - Null 13.99% - Up to 100%
E -559 16.49% - Up to 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% Up to 100%
B 660-699 6.49% 8.49% Up to 100%
C 620-659 7.99% 9.99% Up to 90%
D 560-619 11.49% - Up to 80%
E -559 16.49% - Up to 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% Up to 120%
B 660-699 6.49% 6.49% 8.49% 9.49% Up to 110%
C 620-659 8.49% 8.49% 9.99% 10.99% Up to 100%
D 560-619 11.49% 12.49% - - Up to 80%
E -559 16.49% 17.49% - - Up to 80%

NOTE: All fixed consumer loans listed above have a 5 month flexibility on the term
when adding CD/CL, GAP, and/or MRC
LTV Includes: Purchase Price + Sales Tax + Doc Fees + Title Fees
(Does not include Protection Products)


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%

Home Equity Products

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% 4.50% 4.00% - 3.50%
B 660-699 1.75% 5.50% 4.00% -
C 620-659 2.75% 6.50% 4.00% -
D 560-619 4.75% 8.50% 4.00% -
E -559 6.75% 10.50% 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% 5.50% 5.00% - 3.50%
B 660-699 2.75% 6.50% 5.00% -
C 620-659 3.75% 7.50% 5.00% -
D 560-619 5.75% 9.50% 5.00% -
E -559 7.75% 11.50% 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.