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Loan Rates

Effective date July 1, 2022

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

9.90% 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     11.40% APR
Credit Scores 700 - 739     12.40% APR
Credit Scores 650 - 699     14.40% APR
Credit Scores 620 - 649     17.40% APR
Credit Scores below 620   18.00% APR

New Vehicles (2023 - 2022)

Credit Scores 740 - 850  rates as low as      6.24% APR
Credit Scores 700 - 739  rates as low as      6.74% APR
Credit Scores 650 - 699  rates as low as      7.24% APR
Credit Scores 620 - 649  rates as low as    10.24% APR
Credit Scores 580 - 619  rates as low as    16.24% APR
Credit Scores below 580 rates as low as   17.99% APR

*Free quotes for Mechanical Breakdown Warranty Protection.
36-Month rate is 100 bp less than the 60-month rate.
48-Month rate is 50 bp less than the 60-month rate.
*Over 72 month financing available at 25 bp higher than 60-month rate.
*For New & Used Motorcycle, Boats, or Campers, add 1.5% to APR.

*Rates are subject to change.

Used Vehicles (2021 and older)

Credit Scores 740 - 850  rates as low as      6.24% APR
Credit Scores 700 - 739  rates as low as      6.74% APR
Credit Scores 650 - 699  rates as low as      7.24% APR
Credit Scores 620 - 649  rates as low as    10.24% APR
Credit Scores 580 - 619  rates as low as    16.24% APR
Credit Scores below 580  rates as low as   17.99% APR

*Internal Debt Refinancing and Buy-downs available. Some Restrictions Apply.
36-Month rate is 100 bp less than the 60-month rate.
48-Month rate is 50 bp less than the 60-month rate.
*Over 72 month financing available at 25 bp higher than 60-month rate.

*For New & Used Motorcycle, Boats, or Campers, add 1.5% to APR.
*Rates are subject to change.

Share Pledged Loan (Best Loan Program)

3.00% APR based on Regular Savings
3.50% APR based on Money Market High Yield Savings
+3.00% margin above Certificate Rate for CD Secured Loan 
Debt Protection Insurance / Life and Disability Insurance available to all Loans is provided by Credit Union and is not underwritten or guaranteed by NCUA.