Loan Rates
| New & Used Vehicles | ||
| Effective Date: Thursday, January 27th, 2022 | ||
| 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 | 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 |
|
| Fresh Start Auto Loan Program | ||
| Effective Date: Thursday, January 27th, 2022 | ||
| 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, January 27th, 2022 | ||
| Maximum Term | Credit Score | Interest Rate and APR |
| 48 Months (4 Years) | N/A | 8.00% |
| Boat, Motor, & Trailer | ||
| Effective Date: Thursday, January 27th, 2022 | ||
| Maximum Term | Credit Score | Interest 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 Term | Credit Score | Interest 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 Term | Credit Score | Interest 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 Term | Credit Score | Interest 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 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, January 27th, 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: Thursday, January 27th, 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:
| ||
| Credit Cards | ||
| Effective Date: Thursday, January 27th, 2022 | ||
| Maximum Term | Credit Score | Interest Rate and APR |
| Visa Platinum & Secured Credit Card | ||
| Revolving | 700+ | 7.90% |
| 675-699 | 9.90% | |
| 674 - | 12.90% | |
