PLEASE NOTE!
We participate in “Risk Based Lending”. This is a rate determining process whereby the rate you receive on your loan will be assigned to you based on your credit rating (Beacon Score).
Payment Example: $1000 at 5.25% for 5 years = $18.99
Below is a detailed list of our Risk Based rates.
Rates Effective March 1, 2023
Rates and terms vary. Not all of our offered rates or terms are listed here.
Secured Loans – Autos, Boats, MCs and RVs
| Credit Rating | A+ APR* | A APR* | B APR* | C APR* | D APR* |
|---|---|---|---|---|---|
| 24 Months | 4.00 | 5.00 | 7.00 | 9.00 | 14.00 |
| 36 Months | 4.05 | 5.05 | 7.30 | 9.30 | 14.30 |
| 48 Months | 4.30 | 5.30 | 7.30 | 11.30 | 16.30 |
| 60 Months | 4.50 | 5.50 | 8.50 | 13.50 | 17.95 |
| 72 Months | 5.30 | 6.30 | 9.30 | 17.30 | 17.95 |
| 84 Months | 6.30 | 7.30 | 10.30 | 17.95 | N/A |
| **Rates are based on your base rate, age of the collateral and the loan to value. Please contact Credit Union for further details.** | |||||
| *APR = Annual Percentage Rate |
New / Used Boats, Motorcycles & Campers
| Credit Rating | A+ APR* | A APR* | B APR* | C APR* | D APR* |
|---|---|---|---|---|---|
| SEE ABOVE |
2nd Mortgage/Home Improvement Loans
| Credit Rating Closing Costs – $400.00 | A+ APR* | A APR* | B APR* | C APR* | D APR* |
|---|---|---|---|---|---|
| Term 1 – 5 Years | 5.50 | 6.00 | 8.00 | 10.00 | 12.00 |
| Term 6 – 10 Years | 6.00 | 6.50 | 8.50 | 10.50 | 12.50 |
| Term 11 – 15 Years | 6.25 | 6.25 | 8.75 | 10.75 | 12.75 |
Home Equity Line Of Credit (HELOC)
| HOME EQUITY LINE OF CREDIT (HELOC) | A+ APR* | A APR* | B APR* | C APR* | D APR* |
|---|---|---|---|---|---|
| VARIABLE RATE | 5.50 | 6.00 | 8.00 | 10.00 | 12.00 |
| PRIME RATE – ALL RATES ADJUSTED QUARTERLY TO PRIME |
Signature, Vacation, Christmas, Bill Consolidation, Appliance, Computer Loans
| Credit Rating | A+ APR* | A APR* | B APR* | C APR* | D APR* |
|---|---|---|---|---|---|
| Up to 5 Years | 10.20 | 11.20 | 13.20 | 16.20 | 17.95 |
| Credit Rating | A+ APR* | A APR* | B APR* | C APR* | D APR* |
|---|---|---|---|---|---|
| See Above |
Quick Cash Line Of Credit Loans
| APR* | |||||
| Check Cashing Loan Alternative. Get up to $500 Instantly! | 17.00 |
| *APR = Annual Percentage Rate
**ALL Rates are subject to change without notice** |
| We also offer Share and Certificate Secured Loans at unbelievable rates!
All Rates subject to change without notice! |
| Loans | Rate | APR* | Term | |
| Overdraft Protection Loans | 17.00 | 17.00 | 48 | Calculator |
| Calculator | ||||
| Visa Associates – Call for Rates and Terms | n/a | Calculator | ||
| VISA Advantage 1 – Call for Rates and Terms | n/a | Calculator | ||
| VISA – Classic – Call for Rates and Terms | n/a | Calculator |
| APR = Annual Percentage Rate |
| All Rates Subject to Change Without Notice! |
| Savings | Dividend Rate | APY* | Term |
| Regular Shares (Savings) | 0.20 | 0.20 | n/a |
| Money Market Account $2,500.00 – $9,999.99 | 0.75 | 0.75 | n/a |
| Money Market Account $10,000.00 – 49,999.99 | 1.24 | 1.25 | n/a |
| Money Market Account $50,000.00 & Over | 1.49 | 1.50 | n/a |
| IRA Savings Account | 0.20 | 0.20 | n/a |
| APR = Annual Percentage Rate APY = Annual Percentage Yield Back to Top |
| All Rates Subject to change Without Notice! |
| Certificates | Dividend Rate | APY* | Term |
| Share Certificate | 0.50 | 0.50 | 12 |
| Share Certificate | 0.75 | 0.75 | 24 |
| Share Certificate | 0.99 | 1.00 | 36 |
| Share Certificate | 1.24 | 1.25 | 48 |
| Share Certificate | 1.49 | 1.50 | 60 |
| IRA Share Certificate | 0.50 | 0.50 | 12 |
| IRA Share Certificate | 0.75 | 0.75 | 24 |
| IRA Share Certificate | 0.99 | 1.00 | 36 |
| IRA Share Certificate | 1.24 | 1.25 | 48 |
| IRA Share Certificate | 1.49 | 1.50 | 60 |
| APR = Annual Percentage Rate APY = Annual Percentage Yield Back to Top |
Applications
