Loan Rates

For your convenience, we are providing several on-line loan calculators to assist you in your financial planning.

Rates are subject to change. Call 1-888-451-3798 for current rates. Loan rates quoted are LOWEST rates available and MAY VARY based on age of collateral, term of loan and applicant's credit history. Fixed rates quoted include a .50% discount for automatic payment. Other conditions may apply.

Loan Rates Effective January 19, 2019

Loan Type	Rate	APR*	Term
New & Used Cars & Trucks – 2018 & Newer	3.49	3.49	48
Used Cars & Trucks – 2016 – 2017	3.74	3.74	48
Used Cars & Trucks – 2014-2015	3.99	3.99	48
Used Cars & Trucks – 2012-2013	4.74	4.74	48
Used Cars & Trucks – 2009-2011	5.49	5.49	48
Used Cars & Trucks – 2004-2008	7.49	7.49	48
Used Cars & Trucks – 2003 & Older	8.24	8.24	36
New Recreational Vehicles	3.74	3.74	48
Used Recreational Vehicles	3.74	3.74	48
New Boat and Motorcycle	3.74	3.74	48
Used Boat and Motorcycle	3.74	3.74	48
Unsecured Line of Credit	10.00	10.00	NA
Personal Loan	8.99	8.99	36
New Miscellaneous Secured Personal Loans	5.25	5.25	36
Used Miscellaneous Secured Personal Loans	6.25	6.25	36
Classic Visa Credit Card	10.90	10.90	NA
Rewards Visa Credit Card	14.90	14.90	NA

Important VISA Disclosures

Home Equity & HELOC - Effective January 1, 2019

Loan Type	Rate	APR*	Term
Home Equity Line of Credit – 80% LTV-variable rate***	5.50	5.50	120
Home Equity Line of Credit – 90% LTV-variable rate***	6.50	6.50	120
Home Equity Line of Credit – 100% LTV – variable rate ***	7.50	7.50	120
Home Equity – 80% Loan to Value- fixed rate**	5.50	5.50	60
Home Equity – 90% Loan to Value – fixed rate**	6.25	6.25	60
Home Equity – 100% Loan to Value – fixed rate **	7.25	7.25	60

*APR = Annual Percentage Rate

**Home Equity loans are also available in 10 and 15 year terms. Contact your Credit Union for more information.

***Home Equity Line of Credit:  The 5.50% APR is available with qualifying credit and a loan to value (LTV) of 80% or less. Higher rates apply to higher loan to values.  The APR will vary based on an index.  The index is the Prime Rate as published the last business day of the quarter prior to the date of the interest adjustment in the Money Rates column of the Wall Street Journal.  As of July 1, 2010, the variable APR for lines of credit is 4.25% - 6.50%.  The rate is subject to change, but will not go below 4.25% APR and it will not  exceed 11.75% APR. Closing costs typically range from $0 to $750.  Consult your tax advisor regarding deductibility of interest.  Property insurance is required.