Effective 08.24.2010
Rates are subject to change without prior notice.
| Loan Type |
Term* |
Down Payment |
Amount Financed |
APR † |
Autos 2007 and Newer
New Auto - 100% purchase price, GAP Insurance may be required.
Used Auto - NADA clean retail or 85% of written appraisal. |
24 months |
|
|
3.99% |
| 36 months |
|
|
3.99% |
| 48 months |
|
|
3.99% |
| 60 months |
|
$10,000 min. |
3.99% |
| 72 months |
|
$15,000 min. |
3.99% |
| 84 months |
|
$25,000 min. |
4.99% |
Autos 2002 - 2006
Used Auto - NADA clean trade-in or 85% of written appraisal. |
24 months |
|
|
5.00% |
| 36 months |
|
|
5.00% |
| 48 months |
|
|
5.00% |
| 60 months |
|
$10,000 min. |
5.00% |
| 72 months |
|
$15,000 min. |
6.50% |
| 84 months |
|
$25,000 min. |
6.50% |
Autos 2001 and Older
Used Auto - NADA rough trade-in or 85% of written appraisal. |
24 months |
|
|
6.25% |
| 36 months |
|
|
6.25% |
| 48 months |
|
|
6.25% |
| 60 months |
|
$10,000 min. |
6.25% |
| 72 months |
|
$25,000 min. |
7.75% |
New Motorcycles
100% of purchase price, excluding tax and license |
up to 48 months |
|
|
4.75% |
| up to 60 months |
|
$10,000 min. |
4.75% |
| up to 72 months |
|
$15,000 min. |
4.75% |
| up to 84 months |
|
$25,000 min. |
7.50% |
Used Motorcycles
NADA Retail or 85% of written appraisal |
up to 48 months |
|
|
8.00% |
| up to 60 months |
|
$10,000 min. |
8.00% |
| up to 72 months |
|
$15,000 min. |
8.25% |
| up to 84 months |
|
$25,000 min. |
8.50% |
New Boats, RVs, Airplanes
85% financing |
up to 60 months |
15% |
Under $15,000 |
7.50% |
| up to 120 months |
15% |
$15,000-$30,000 |
8.00% |
15-year amortization/
10-year balloon |
15% |
Over $30,000 |
8.00% |
New RV's
90% financing |
10-year amortization/
5-year balloon |
10% |
Over $30,000 |
8.25% |
Used Boats, RVs, Airplanes
NADA Used Trade In or 75% of written appraisal |
up to 60 months |
|
Under $15,000 |
7.75% |
| up to 120 months |
|
$15,000-$30,000 |
8.25% |
15-year amortization/
10-year balloon |
|
Over $30,000 |
8.25% |
| Computer Loans |
24 months |
|
up to $1,500 |
5.00% |
Helping Hand Loan
$50 minimum payment |
up to 11 months |
|
up to $500 |
15.00% |
Share Secured Loans
This loan is secured by your savings or certificate account at the
credit union. You will only pay 3% APR over your dividend rate. Borrow
against your funds while still keeping the money in your account. |
You can determine the monthly payment amount as long as it does not go
into a negative amortization situation. Please contact the loan department for details. |
|
Savings or Certificate funds held at the credit union which are not
being used for other collateral purposes. |
3% over
div. rate |
| Signature Loans |
up to 48 months |
|
up to $10,000 |
8.90% - 11.50% |
| Line-of-Credit Loans |
|
|
up to $5,000 |
12.50% |
| Home Equity Loan |
Existing Home Equity Loan Members please call Loan Department for
current Balloon/Renewal terms/rates. |
|
|
|
* Please call the credit union office for current fees and terms.
† Annual Percentage Rate. |
