| New and Used Auto Loans |
| Year of Automobile |
Term |
APR (as low as) |
| 2008 and newer |
24 Months |
2.99% |
| |
36 Months |
2.99% |
| |
48 Months |
2.99% |
| |
60 Months |
3.49% |
| |
72 Months |
4.29% |
| 2004 to 2007 |
24 Months |
4.40% |
| |
36 Months |
4.50% |
| |
48 Months |
4.75% |
| |
60 Months |
5.00% |
| 2003 and older |
24 Months |
6.25% |
| |
36 Months |
6.50% |
| |
48 Months |
7.00% |
* Auto Loans will not exceed the lower of the NADA book value or the
selling price of the automobile, unless the member's score is over
680. The amount financed will be up to 115% of the NADA value.
* APR: Annual Percentage Rate
* Interest rate determined by credit score
* Rates are fixed
* No prepayment penalty
* When two people are signing on a note we will add the two rates
and divide by 2 to get the rate.
* Rates subject to change
| Home Equity |
| Term |
Limit |
Rate |
Loan/Value Ratio |
| 60 Months |
$85,000.00 |
5.25% |
80.00% |
| 120 Months |
$85,000.00 |
5.25% |
80.00% |
| 180 Months |
$85,000.00 |
5.75% |
80.00% |
* Rates are fixed
* APR based on lower rate at time of application or closing
* Up to 80% financing
* Rates subject to change
| Personal Loans |
| Term |
Maximum Loan Amount |
APR (as low as) |
| 24 Months |
$7,500.00 |
7.75% |
| 36 Months |
$7,500.00 |
7.95% |
| 48 Months |
$7,500.00 |
8.15% |
| 60 Months |
$7,500.00 |
8.50% |
* APR: Annualy Percentage Rate
* Rates are fixed
* Rates determined by applicant's credit score
* Rates subject to change
* No prepayment penalty
| Miscellaneous Secured |
| Term |
Maximum Loan Amount |
APR (as low as) |
| 24 Months |
$10,000.00 |
7.25% |
| 36 Months |
$10,000.00 |
7.45% |
| 48 Months |
$10,000.00 |
7.65% |
| 60 Months |
$10,000.00 |
8.00% |
* Rates subject to change
* APR: Annualy Percentage Rate
| Share Secured |
| Term |
Maximum Loan Amount |
APR
(as low as) |
Loan/Value Ratio |
| 24 Months |
$25,000.00 |
2.50% |
95.00% |
| 60 Months |
$50,000.00 |
3.00% |
95.00% |
| 120 Months |
$50,000.00 |
3.50% |
90.00% |
* APR: Annual Percentage Rate
* Loan secured by savings
* No prepayment penalty
* Rates subject to change
| Boats / Motor Homes |
| Term |
Maximum Loan Amount |
APR (as low as) |
| 24 Months |
$50,000.00 |
5.50% |
| 36 Months |
$50,000.00 |
5.75% |
| 48 Months |
$50,000.00 |
6.00% |
| 60 Months |
$50,000.00 |
6.25% |
| 72 Months |
$50,000.00 |
6.50% |
| 84 Months |
$50,000.00 |
7.00% |
| 120 Months |
$50,000.00 |
7.00% |
* APR: Annualy Percentage Rate
* Interest rate determined by credit score
* Rates are fixed
* Upon approved credit
* Rates subject to change
| Motorcycles |
| Term |
Maximum Loan Amount |
APR (as low as) |
| 24 Months |
$50,000.00 |
5.50% |
| 36 Months |
$50,000.00 |
5.75% |
| 48 Months |
$50,000.00 |
6.00% |
| 60 Months |
$50,000.00 |
6.25% |
* APR: Annualy Percentage Rate
* Interest rate determined by credit score
* Rates are fixed
* Upon approved credit
* Rates subject to change
