| New & Used Vehicles |
| Effective Date: Friday, July 1st, 2022 |
| Maximum Term | Credit Score | Interest Rate and APR |
| New & Used Vehicle |
| 60 Months (5 years) |
675+ |
3.25% |
| |
650-674 |
7.25% |
| |
649- |
9.25% |
| New & Used Vehicle |
| 72 Months (6 years) |
675+ |
3.50% |
| |
650-674 |
7.50% |
| |
649- |
9.50% |
| New & Used Vehicle |
| 84 Months (7 years) |
675+ |
3.95% |
| |
650-674 |
7.95% |
| |
649- |
9.95% |
| High LTV Loans |
| Effective Date: Friday, July 1st, 2022 |
| |
- Some members may qualify for an auto loan for over the book value based on the following criteria
- Minimum credit score of 675
- Max LTV 125% - Not including GAP or Warranty
|
| Smart Start Auto Loan Program |
| Effective Date: Friday, July 1st, 2022 |
| Maximum Term | Credit Score | Interest Rate and APR |
| 48 Months (4 Years) |
N/A |
8.00% |
| No co-signer is required if criteria is met: maximum loan amount $15,000, 20% down required (based on the purchase price plus tax and title fees), and must be a member for at least 2 years. |
| Adventure Loans |
| Effective Date: Friday, July 1st, 2022 |
| Maximum Term | Credit Score | Interest Rate and APR |
| An Adventure Loan includes Motorcycles, Snowmobiles, ATVs, UTVs, Jet Skis, Small Watercraft, Boats, RVs & Other Secured |
| Adventure Loan |
| 60 Months (5 years) |
675+ |
3.50% |
| |
650-674 |
7.50% |
| |
649- |
9.50% |
| Adventure Loan |
| 72 Months (6 years) |
675+ |
4.00% |
| |
650-674 |
8.00% |
| |
649- |
10.00% |
| Adventure Loan |
| 84 Months (7 years) |
675+ |
4.50% |
| |
650-674 |
8.50% |
| |
649 - |
10.50% |
| Adventure Loan |
| 120 Months (10 years) |
675+ |
4.75% |
| |
650-674 |
8.75% |
| |
649- |
10.75% |
| Adventure Loan |
| 180 Months (15 years) |
675+ |
4.95% |
| |
650-674 |
8.95% |
| |
649- |
10.95% |
| Share Savings Secured Loans |
| Effective Date: Friday, July 1st, 2022 |
| Interest Rate | APR | Maximum Term |
| 3.25% |
3.25% |
MAX TERM 36 MONTHS |
| 4.50% |
4.50% |
MAX TERM 60 MONTHS |
| Share Certificate Secured Loans |
| Effective Date: Friday, July 1st, 2022 |
| Interest Rate | APR | Term |
| 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: Friday, July 1st, 2022 |
| Maximum Term | Credit Score | Interest Rate and APR |
| Unsecured - Closed End Loan |
| 48 Months (4 years) |
750+ |
8.50% |
| |
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: Friday, July 1st, 2022 |
| Maximum Term | Credit Score | Interest Rate and APR |
| Visa Platinum & Secured Credit Card |
| Revolving |
675+ |
7.90% |
| |
674 - |
12.90% |
