Loan Rates

New & Used Vehicles
Effective Date: Wednesday, April 8th, 2020
Maximum Term	Credit Score	Interest Rate and APR
2018 & Newer
84 Months (7 years)	750+	4.75%
	700-749	5.25%
	675-699	6.25%
	674 -	N/A
2017 & Newer
72 Months (6 years)	750+	4.50%
	700-749	5.00%
	675-699	6.00%
	650-674	7.00%
	649 -	8.00%
2014 & Newer
60 Months (5 years)	750+	4.25%
	700-749	4.75%
	675-699	5.75%
	650-674	6.75%
	649-	7.75%
2014 & Newer
48 Months (4 years)	750+	3.99%
	700-749	4.50%
	675-699	5.50%
	650-674	6.50%
	649 -	7.50%
2013 & Older
48 Months (4 years)	750+	5.00%
	700-749	5.50%
	675-699	6.50%
	650-674	7.50%
	649 -	8.50%
2013 & Older
36 Months (3 years)	750+	4.75%
	700-749	5.25%
	675-699	6.25%
	650-674	7.25%
	649 -	8.25%

High LTV Loans

Effective Date: Wednesday, April 8th, 2020

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

Recreational and Other Secured
Effective Date: Wednesday, April 8th, 2020
Term	Credit Score	Interest Rate and APR
RV, ATV, Other Secured 2015 & Newer
120 Months (10 years)	750+	5.75%
	700-749	6.75%
	650-674	8.75%
	675-699	7.75%
	649 -	10.75%
RV, ATV, Other Secured 2014 & Newer
60 Months (5 years)	750+	4.50%
	700-749	5.50%
	675-699	6.50%
	650-674	7.50%
	649 -	9.50%
RV, ATV, Other Secured 2013 & Older
60 Months (5 years)	750+	5.50%
	700-749	6.50%
	675-699	7.50%
	650-674	8.50%
	649 -	10.50%
Boat, Motor, Trailer & Lift 2015 & Newer
120 Months (10 years)	750+	5.25%
	700-749	6.00%
	675-699	7.00%
	650-674	8.00%
	649 -	10.00%
Boat, Motor, Trailer & Lift 2014 & Newer
60 Months (5 years)	750+	4.25%
	700-749	5.25%
	675-699	6.25%
	650-674	7.25%
	649 -	9.25%
Boat, Motor, Trailer & Lift 2013 & Older
60 Months (5 years)	750+	5.50%
	700-749	6.50%
	675-699	7.50%
	650-674	8.50%
	649 -	10.50%
Motorcycles 2014 & Newer
60 Months (5 years)	750+	5.50%
	700-749	6.00%
	675-699	7.00%
	650-674	8.00%
	649 -	10.00%
Motorcycles 2013 & Older
48 Months (4 years)	750+	6.00%
	700-749	7.00%
	675-699	8.00%
	650-674	9.00%
	649 -	11.00%
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.

Classic/Antique Auto Loans
Effective Date: Wednesday, April 8th, 2020
Maximum Term	Credit Score	Interest Rate and APR
60 Months (5 years)	700+	4.15%
	675-699	5.65%
	650-674	6.65%
	649 -	7.65%

Share Savings Secured Loans
Effective Date: Wednesday, April 8th, 2020
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: Wednesday, April 8th, 2020
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: Wednesday, April 8th, 2020
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: 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: Wednesday, April 8th, 2020
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%