Loan Rates
| New & Used Vehicles | ||
| Effective Date: Thursday, June 17th, 2021 | ||
| Maximum Term | Credit Score | Interest Rate and APR |
| 2019 & Newer | ||
| 84 Months (7 years) | 750+ | 3.50% |
| 700-749 | 3.50% | |
| 675-699 | 3.50% | |
| 674 - | N/A | |
| 2018 & Newer | ||
| 72 Months (6 years) | 750+ | 3.25% |
| 700-749 | 3.25% | |
| 675-699 | 3.25% | |
| 650-674 | 6.25% | |
| 649 - | 7.25% | |
| 2015 & Newer | ||
| 60 Months (5 years) | 750+ | 1.99% |
| 700-749 | 1.99% | |
| 675-699 | 1.99% | |
| 650-674 | 6.00% | |
| 649- | 7.00% | |
| 2015 & Newer | ||
| 48 Months (4 years) | 750+ | 1.99% |
| 700-749 | 1.99% | |
| 675-699 | 1.99% | |
| 650-674 | 5.75% | |
| 649 - | 6.75% | |
| 2014 - 2011 | ||
| 48 Months (4 years) | 750+ | 1.99% |
| 700-749 | 1.99% | |
| 675-699 | 1.99% | |
| 650-674 | 7.00% | |
| 649 - | 8.00% | |
| 2014 - 2011 | ||
| 36 Months (3 years) | 750+ | 1.99% |
| 700-749 | 1.99% | |
| 675-699 | 1.99% | |
| 650-674 | 6.50% | |
| 649 - | 7.50% | |
| High LTV Loans |
| Effective Date: Thursday, June 17th, 2021 |
|
| Fresh Start Auto Loan Program | ||
| Effective Date: Thursday, June 17th, 2021 | ||
| Maximum Term | Credit Score | Interest Rate and APR |
| $9,001 or Above - 4 Years | N/A | 10.00% |
| $6,001 to $9,000 - 3 Years | N/A | 10.00% |
| $3,001 to $6,000 - 2 Years | N/A | 10.00% |
| $3,000 or Below - 1 Year | N/A | 10.00% |
| Fresh Start Program is for Members Who Do Not Qualify for Our Regular Loan Program per Policy but Show Other Positive Factors | ||
| Smart Start Auto Loan Program | ||
| Effective Date: Thursday, June 17th, 2021 | ||
| Maximum Term | Credit Score | Interest Rate and APR |
| 48 Months (4 Years) | N/A | 8.00% |
| ATV & Other Secured | ||
| Effective Date: Thursday, June 17th, 2021 | ||
| Term | Credit Score | Interest Rate and APR |
| ATV & Other Secured 2015 & Newer | ||
| 84 Months (7 years) | 750+ | 4.99% |
| 700-749 | 4.99% | |
| 675-699 | 4.99% | |
| 650-674 | 8.50% | |
| 649- | 10.50% | |
| ATV & Other Secured 2015 & Newer | ||
| 60 Months (5 years) | 750+ | 3.99% |
| 700-749 | 3.99% | |
| 675-699 | 3.99% | |
| 650-674 | 7.50% | |
| 649 - | 9.50% | |
| ATV & Other Secured 2014 & Older | ||
| 60 Months (5 years) | 750+ | 3.99% |
| 700-749 | 3.99% | |
| 675-699 | 3.99% | |
| 650-674 | 8.50% | |
| 649 - | 10.50% | |
| Terms based on vehicles with average mileage. The Credit Union may reduce term on higher mileage vehicles. Other circumstances such as excellent credit history, down payment or low mileage may warrant extension of term. Interest rates based on credit score at time of application. Applicants must meet underwriting guidelines to be approved. Loan amount must qualify for term. | ||
| Boat, Motor, Trailer, & Lift | ||
| Effective Date: Thursday, June 17th, 2021 | ||
| Maximum Term | Credit Score | Interest Rate and APR |
| Boat, Motor, Trailer, & Lift 2016 & Newer | ||
| 120 Months (10 years) | 750+ | 4.50% |
| 700-749 | 4.50% | |
| 675-699 | 4.50% | |
| 650-674 | 9.00% | |
| 649- | 11.00% | |
| Boat, Motor, Trailer, & Lift 2015 & Newer | ||
| 84 Months (7 years) | 750+ | 3.50% |
| 700-749 | 3.50% | |
| 675-699 | 3.50% | |
| 650-674 | 8.25% | |
| 649- | 10.25% | |
| Boat, Motor, Trailer, & Lift 2015 & Newer | ||
| 60 Months (5 years) | 750+ | 1.99% |
| 700-749 | 1.99% | |
| 675-699 | 1.99% | |
| 650-674 | 7.25% | |
| 649 - | 9.25% | |
| Boat, Motor, Trailer, & Lift 2014 & Older | ||
| 60 Months (5 years) | 750+ | 1.99% |
| 700-749 | 1.99% | |
| 675-699 | 1.99% | |
| 650-674 | 8.50% | |
| 649 - | 10.50% | |
| Terms based on vehicles with average mileage. The Credit Union may reduce term on higher mileage vehicles. Other circumstances such as excellent credit history, down payment or low mileage may warrant extension of term. Interest rates based on credit score at time of application. Applicants must meet underwriting guidelines to be approved. Loan amount must qualify for term. | ||
| Motorcycles | ||
| Effective Date: Thursday, June 17th, 2021 | ||
| Maximum Term | Credit Score | Interest Rate and APR |
| Motorcycles 2015 & Newer | ||
| 84 Months (7 years) | 750+ | 3.50% |
| 700-749 | 3.50% | |
| 675-699 | 3.50% | |
| 650-674 | 8.00% | |
| 649- | 10.00% | |
| Motorcycles 2015 & Newer | ||
| 60 Months (5 years) | 750+ | 1.99% |
| 700-749 | 1.99% | |
| 675-699 | 1.99% | |
| 650-674 | 7.00% | |
| 649 - | 9.00% | |
| Motorcycles 2014 & Older | ||
| 48 Months (4 years) | 750+ | 1.99% |
| 700-749 | 1.99% | |
| 675-699 | 1.99% | |
| 650-674 | 8.00% | |
| 649 - | 10.00% | |
| Terms based on vehicles with average mileage. The Credit Union may reduce term on higher mileage vehicles. Other circumstances such as excellent credit history, down payment or low mileage may warrant extension of term. Interest rates based on credit score at time of application. Applicants must meet underwriting guidelines to be approved. Loan amount must qualify for term. | ||
| RV | ||
| Effective Date: Thursday, June 17th, 2021 | ||
| Maximum Term | Credit Score | Interest Rate and APR |
| RV 2016 & Newer | ||
| 120 Months (10 years) | 750+ | 4.50% |
| 700-749 | 4.50% | |
| 675-699 | 4.50% | |
| 650-674 | 8.75% | |
| 649- | 10.75% | |
| RV 2015 & Newer | ||
| 84 Months (7 years) | 750+ | 3.50% |
| 700-749 | 3.50% | |
| 675-699 | 3.50% | |
| 650-674 | 8.50% | |
| 649- | 10.50% | |
| Motorized RV 2015 & Newer | ||
| 60 Months (5 years) | 750+ | 1.99% |
| 700-749 | 1.99% | |
| 675-699 | 1.99% | |
| 650-674 | 7.50% | |
| 649 - | 9.50% | |
| Motorized RV 2014 - 2011 | ||
| 60 Months (5 years) | 750+ | 1.99% |
| 700-749 | 1.99% | |
| 675-699 | 1.99% | |
| 650-674 | 8.50% | |
| 649 - | 10.50% | |
| Non-Motorized RV 2014 & Older | ||
| 60 Months (5 years) | 750+ | 1.99% |
| 700-749 | 1.99% | |
| 675-699 | 1.99% | |
| 650-674 | 8.50% | |
| 649- | 10.50% | |
| Terms based on vehicles with average mileage. The Credit Union may reduce term on higher mileage vehicles. Other circumstances such as excellent credit history, down payment or low mileage may warrant extension of term. Interest rates based on credit score at time of application. Applicants must meet underwriting guidelines to be approved. Loan amount must qualify for term. | ||
| Classic/Antique Auto Loans | ||
| Effective Date: Thursday, June 17th, 2021 | ||
| Maximum Term | Credit Score | Interest Rate and APR |
| 60 Months (5 years) | 700+ | 1.99% |
| 675-699 | 1.99% | |
| 650-674 | 6.65% | |
| 649 - | 7.65% | |
| Share Savings Secured Loans | ||
| Effective Date: Thursday, June 17th, 2021 | ||
| Interest Rate | APR | Maximum Term |
| 3.25% | 3.25% | MAX TERM 36 MONTHS |
| 4.50% | 4.50% | MAX TERM 60 MONTHS |
| Loans secured by savings require a 3 year balloon. | ||
| Share Certificate Secured Loans | ||
| Effective Date: Thursday, June 17th, 2021 | ||
| 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: Thursday, June 17th, 2021 | ||
| Maximum Term | Credit Score | Interest Rate and APR |
| Unsecured - Closed End Loan | ||
| 48 Months (4 years) | 750+ | 7.50% |
| 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:
| ||
| Credit Cards | ||
| Effective Date: Thursday, June 17th, 2021 | ||
| Maximum Term | Credit Score | Interest Rate and APR |
| Visa Platinum Credit Card | ||
| Revolving | 700+ | 7.90% |
| Visa Classic Credit Card | ||
| Revolving | 675-699 | 9.90% |
| 674 - | 12.90% | |
| Visa Secured Credit Card | ||
| Revolving | N/A | 12.90% |
