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% |