Current Rates as of June 1, 2008
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| Vehicle Loans | |||||
| 24 Months | 36 Months | 48 Months | 60 Months | 72 Months*** | |
| New | f 4.99% v 2.99%* | f 5.49% v 2.99%* | f 5.49% v 2.99%* | f 5.49% v 2.99%* | f 5.99% v 2.99%* |
| Used | f 6.00% v 2.99%* | f 6.50% v 2.99%* | f 6.50% v 2.99%* | f 6.50% v 2.99%* | |
| Older Used | f 9.00 v7.25%** | f 9.50 v 7.25%** | f 9.50 v 7.25%** | f 9.50 v 7.25%** | |
| f=fixed rate v=variable rate *Intro rate 2.99% for 6 months then regular rate as low as Prime less .25%, 3% floor, maximum increase of 8% from initial rate. **Rate as low as Prime plus 3%, 3% floor, maximum increase of 8% over initial rate. ***For 72 month financing loan must be $15,000 or more. +The payment amount for our variable rate loan does not change for the duration of the loan. | |||||
| Recreational Vehicles | ||||||||||
| 12 Mos | 24 Mos | 36 Mos | 48 Mos | 60 Mos | 72 Mos | 84 Mos | 96 Mos | 108 Mos | 120 Mos | |
| New | 5.75% | 5.75% | 5.49% | 5.49% | 5.49% | 6.75% | 6.75% | 7.99% | 7.99% | 7.99% |
| Used | 6.75% | 6.75% | 6.49% | 6.49% | 6.49% | 7.75% | 7.75% | 8.99% | 8.99% | 8.99% |
| Items financed include motorcycles, ATV's, boats, motor homes, travel trailers, and similar items. | ||||||||||
Closed end non-purchase mortgages. Loans may be granted with a maturity up to 12 years. Granted on the member's primary residence only. Click here for important information definitions.
| up to 60 months | 61 - 84 months | 85 - 144 months | |
| Up to 90% LTV | 6.99%* | 8.75%* | 8.75%* |
| No closing costs on loans of $25,000 or more. Closing costs must be repaid if loan is paid in full within 3 years. *-rates as low as | |||
Line of Credit. Rate is variable. Rate and payment may change monthly. Payments are based on a 240-month maturity with a minimum payment of $100. Granted on the member's primary residence only. Click here for important information definitions.
| Up to 70% LTV | Prime Rate* | ||
| Over 70% up to 90% LTV | Prime Rate Plus 0.5%* | ||
| Introductory Rate as low as 3.99% for the 24 months. No closing costs on lines of credit of $25,000 or more. Closing costs must be repaid if line is paid in full and closed within 3 years. Minimum rate is 5%, maximum rate is 25%. *-rates as low as | |||
Other Loans
Click here for important information and definitions.
| Platinum Visa | 1.99% Intro Rate/9.99% Regular Rate for purchases |
| Gold Visa | 17.99% |
| MasterCard | 19.90% |
| Share Secured Loan | 4.75% |
| Personal Loan | 10.00%* |
| Line of Credit | 12.00%* |
| *-rates as low as |
Important Information and Definitions
All rates stated are Annual Percentage Rates and are subject to change without notice. Some rates are determined based on the individual member's qualifications. The rates stated above are the rates available to members who qualify for our best rate.
"LTV" is the loan to value ratio for the property. To determine your LTV, add your existing mortgage balance to the amount you want to borrow. Then divide this amount by the value of your property. Example: You have a $20,000 first mortgage. You want to borrow $50,000 on a home equity line of credit. You think your home is worth about $100,000. Your LTV would be 70% (70,000/100,000).
A "Line of Credit" is a loan that allows you to obtain funds when you want them without applying for a loan each time you want funds. Once you establish a line of credit, you can obtain funds from a teller window at the credit union, by check, by Express Teller, by Home Banking, or by ATM.
You can apply for a loan at the credit union, online, on the telephone, by mail, or at any Service Centers location.
You can sign your loan note at the credit union, by mail, or at any Service Centers location.
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