Loan Rates


As of October 1, 2016

Secured Loans

Type Annual Percentage Rate*
Share Secured Share Rate + 3.00%*
Certificate Secured Certificate Rate + 3.00%
 

Signature Loans

Type Annual Percentage Rate*
Personal Loan Terms up to 48 Months As low as 7.50%*
Overdraft Protection (Revolving) 15.00%
 

New and Used Car Loans

Type and Length of Loan 100% of the price of the MSRP-New As low as 1.99%*
New Auto Fixed; Up to 60 Months 100% of the price of the MSRP-New As low as 2.25%*
New Auto Fixed; Up to 72 Months 100% of the price of the MSRP-New As low as 2.35%*
Used Auto Fixed; Up to 48 Months; 2013 or newer 100% of the NADA Retail Value-Used As low as 2.60%*
Used Auto Fixed; Up to 60 Months; 2013 or newer (Minimum $20,000) 100% of the NADA Retail Value-Used As low as 2.60%*
Used Auto up to 72 Months 2013 or newer (Minimum $30,000.00) 100% of the NADA Retail Value As low as 3.00%*
Used Auto up to 42 Months 2012 Models 80% of the NADA Retail Value As low as 5.00%*
Used Auto up to 36 Months 2011 Models 80% of the NADA Retail Value As low as 6.00%*
 

Home Equity Loans

Term Financing Annual Percentage Rate*
5 Years 80% LTV 4.50%*
10 Years 80% LTV 5.25%*
15 Years 80% LTV 6.00%*
Home Equity Line of Credit (HELOC) Revolving 80% LTV 4.50%*
 

Mortgage Services

 

*Rates are subject to change without notice. The Board of Directors declare the dividend rates at the beginning of each month. Dividends are paid from current income and available earnings after required transfers to reserves at the end of the Dividend period.

For more information regarding dividends and/or share accounts contact the Credit Union for a Rate and Fee Schedule.