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Loan Rates

Effective date July 3, 2020

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 740 - 850     9.00% APR
Credit Scores 699 - 739     10.00% APR
Credit Scores 649 - 698     11.00% APR
Credit Scores below 648 approved by loan officer   12.00% APR

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

New Vehicles (2021 - 2020)

Credit Scores 740 - 850     2.49% APR     for up to 60 months
Credit Scores 699 - 739     3.19% APR     for up to 60 months
Credit Scores 649 - 698     4.24% APR     for up to 60 months
Credit Scores below 648 approved by loan officer   4.84% 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.
*84month financing available at 100 Bp's higher APR and/or GAP coverage.
*For New & Used Motorcycle, Boats, or Campers, add 1.5% to APR.

Used Vehicles

(2019 - 2016)

Credit Scores 740 - 850     3.99% APR     for up to 48 months
Credit Scores 699 - 739     4.69% APR     for up to 48 months
Credit Scores 649 - 698     5.24% APR     for up to 48 months
Credit Scores below 648 approved by loan officer   5.84% APR     for up to 48 months


*Internal Debt Refinancing and Buy-downs available. Some Restrictions Apply.
*Salvage titles acceptable with loan officer / enhanced due diligence.
*60 month financing available at 50 Bp's higher APR and GAP coverage.
*72 month financing available at 100 Bp's higher APR and GAP coverage.
*For New & Used Motorcycle, Boats, or Campers, add 1.5% to APR.

(2015 - 2012)

Credit Scores 740 - 850     4.99% APR     for up to 42 months
Credit Scores 699 - 739     6.49% APR     for up to 42 months
Credit Scores 649 - 698     6.99% APR     for up to 42 months
Credit Scores below 648 approved by loan officer   7.49% APR     for up to 42 months


*Internal Debt Refinancing and Buy-downs available. Some Restrictions Apply.
*Salvage titles acceptable with loan officer / enhanced due diligence.
*60 month financing available at 100 Bp's higher APR and GAP coverage.
*For New & Used Motorcycle, Boats, or Campers, add 1.5% to APR.

(2011 & Older)

Credit Scores 740 - 850     8.99% APR     for up to 36 months
Credit Scores 699 - 739     10.25% APR     for up to 36 months
Credit Scores 649 - 698     11.25% APR     for up to 36 months
Credit Scores below 648 approved by loan officer   13.25% APR     for up to 36 months


*Internal Debt Refinancing and Buy-downs available. Some Restrictions Apply.
*Salvage titles acceptable with loan officer / enhanced due diligence.
*48 month financing available at 100 Bp's higher APR and GAP coverage.
*For New & Used Motorcycle, Boats, or Campers, add 1.5% to APR.

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.