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Loan Rates

Effective date October 1, 2019

Classic VISA Credit Card

10.9% APR No Annual Fee 25 day grace
Specific Finance Charges / Periodic Rates / Billing Rights are explained on monthly billing cycle statement

VISA Gold Credit Card

9.9% APR No Annual Fee Reward Program
Specific Finance Charges / Periodic Rates / Billing Rights are explained on monthly billing cycle statement

Personal Loans

Credit Scores 700 - 850     9.00% APR
Credit Scores 660 - 699     10.00% APR
Credit Scores 620 - 659     11.00% APR
Credit Scores below 620 approved by loan officer   12.00% APR

*Number of months based on amount financed.
*Maximum amount $5,000.
*Maximum term 36 months.

New Vehicles (2020 - 2019)

Credit Scores 700 - 850     2.49% APR     for up to 60 months
Credit Scores 660 - 699     2.99% APR     for up to 60 months
Credit Scores 620 - 659     3.99% APR     for up to 60 months
Credit Scores below 620 approved by loan officer   4.49% APR     for up to 60 months

*Free quotes for Mechanical Breakdown Warranty Protection.
*72 month financing available at 50 Bp's higher APR and/or GAP coverage.

Used Vehicles

(2019 - 2015)

Credit Scores 700 - 850     3.99% APR     for up to 48 months
Credit Scores 660 - 699     4.49% APR     for up to 48 months
Credit Scores 620 - 659     4.99% APR     for up to 48 months
Credit Scores below 620 approved by loan officer   5.49% APR     for up to 48 months

(2014 - 2013)

Credit Scores 700 - 850     4.99% APR     for up to 42 months
Credit Scores 660 - 699     5.49% APR     for up to 42 months
Credit Scores 620 - 659     5.99% APR     for up to 42 months
Credit Scores below 620 approved by loan officer   6.49% APR     for up to 42 months

(2012 - 2010)

Credit Scores 700 - 850     5.99% APR     for up to 36 months
Credit Scores 660 - 699     6.49% APR     for up to 36 months
Credit Scores 620 - 659     6.99% APR     for up to 36 months
Credit Scores below 620 approved by loan officer   7.49% APR     for up to 36 months

(2009 & Older)

7.99% APR for up to 36 months

*Internal Debt Refinancing and Buy-downs available. Some Restrictions Apply.
*Terms may be extended with GAP Protection at 50 Bp's higher APR.
*Salvage titles acceptable with loan officer / enhanced due diligence.

Share Pledged Loan (Best Loan Program)

3.50% APR based on Regular Savings
4.00% APR based on Certificates/Money Market/Checking
Debt Protection Insurance / Life and Disability Insurance available to all Loans is provided by Credit Union and is not underwritten or guaranteed by NCUA.