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Loan Rates

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Loan Rates

New & Used Vehicles
Effective Date: Thursday, January 27th, 2022
Maximum TermCredit ScoreInterest 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 7.25%
  649 - 9.25%
2016 & Newer
60 Months (5 years) 750+ 2.50%
  700-749 2.50%
  675-699 2.50%
  650-674 6.50%
  649- 8.50%
2015 - 2012
48 Months (4 years) 750+ 3.50%
  700-749 3.50%
  675-699 3.50%
  650-674 7.50%
  649 - 9.50%
Vehicles aged 2012 & Older will ONLY be financed for members with a credit score of 700 or above.

High LTV Loans
Effective Date: Thursday, January 27th, 2022
  • Some members may qualify for an auto loan for over the book value based on the following criteria
     
  • Minimum credit score of 700
     
  • Max DTI 35%
     
  • Max LTV 125% - Not including GAP or Warranty
     
  • Term may be shorter due to mileage

Fresh Start Auto Loan Program
Effective Date: Thursday, January 27th, 2022
Maximum TermCredit ScoreInterest 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, January 27th, 2022
Maximum TermCredit ScoreInterest Rate and APR
48 Months (4 Years) N/A 8.00%

Boat, Motor, & Trailer
Effective Date: Thursday, January 27th, 2022
Maximum TermCredit ScoreInterest Rate and APR
Boat, Motor, & Trailer
2017 & Newer
180 Months (15 years) 750+ 4.50%
  700-749 4.50%
  675-699 4.50%
  650-674 8.50%
  649- 10.50%
Boat, Motor, & Trailer
2017 & Newer
120 Months (10 years) 750+ 4.25%
  700-749 4.25%
  675-699 4.25%
  650-674 8.25%
  649- 10.25%
Boat, Motor, & Trailer
2016 & Newer
84 Months (7 years) 750+ 4.00%
  700-749 4.00%
  675-699 4.00%
  650-674 8.00%
  649- 10.00%
Boat, Motor, & Trailer
2016 & Newer
60 Months (5 years) 750+ 3.50%
  700-749 3.50%
  675-699 3.50%
  650-674 7.50%
  649 - 9.50%
Boat, Motor, & Trailer
2015 & Older
48 Months (4 years) 750+ 4.50%
  700-749 4.50%
  675-699 4.50%
  650-674 8.50%
  649 - 10.50%

Adventure Loans
Effective Date: Thursday, January 27th, 2022
Maximum TermCredit ScoreInterest Rate and APR
An Adventure Loan includes Motorcycles, Snowmobiles, ATVs, UTVs, Jet Skis, Small Watercraft, & Other Secured
Adventure Loan
2016 & Newer
84 Months (7 years) 750+ 4.00%
  700-749 4.00%
  675-699 4.00%
  650-674 8.00%
  649 - 10.00%
Adventure Loan
2016 & Newer
60 Months (5 years) 750+ 3.50%
  700-749 3.50%
  675-699 3.50%
  650-674 7.50%
  649- 9.50%
Adventure Loan
2015 & Older
48 Months (4 years) 750+ 4.50%
  700-749 4.50%
  675-699 4.50%
  650-674 8.50%
  649 - 10.50%

RV
Effective Date: Thursday, January 27th, 2022
Maximum TermCredit ScoreInterest Rate and APR
RV
2017 & Newer
120 Months (10 years) 750+ 4.25%
  700-749 4.25%
  675-699 4.25%
  650-674 8.25%
  649- 10.25%
RV
2016 & Newer
84 Months (7 years) 750+ 4.00%
  700-749 4.00%
  675-699 4.00%
  650-674 8.00%
  649- 10.00%
RV
2016 & Newer
60 Months (5 years) 750+ 3.50%
  700-749 3.50%
  675-699 3.50%
  650-674 7.50%
  649 - 9.50%
Motorized RV
2015 - 2012
60 Months (5 years) 750+ 3.50%
  700-749 3.50%
  675-699 3.50%
  650-674 7.50%
  649 - 9.50%
Motorized RV's older than 2012: Only for borrowers w/ 700+ credit score
Non-Motorized RV
2015 & Older
48 Months (4 years) 750+ 4.50%
  700-749 4.50%
  675-699 4.50%
  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, January 27th, 2022
Maximum TermCredit ScoreInterest Rate and APR
60 Months (5 years) 700+ 2.50%
  675-699 2.50%
  650-674 6.50%
  649 - 8.50%

Share Savings Secured Loans
Effective Date: Thursday, January 27th, 2022
Interest RateAPRMaximum 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, January 27th, 2022
Interest RateAPRTerm
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, January 27th, 2022
Maximum TermCredit ScoreInterest 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: Thursday, January 27th, 2022
Maximum TermCredit ScoreInterest Rate and APR
Visa Platinum & Secured Credit Card
Revolving 700+ 7.90%
  675-699 9.90%
  674 - 12.90%