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Loan Rates

General Loan Information
_______________________
Vehicle Loans
(IM) Mobile Home Loans
Home Equity Loans
Signature Loans
Preferred Line
Share Loans
MasterCard

NOTES

  • Credit Life Insurance and Disability Insurance is available on all loans (except First Mortgage), but purchase is not required to obtain a loan. This is member-pay insurance. It is available to single or co-applicant. (These products are not underwritten, issued, insured or guaranteed by NCUA or any other Federal Government agency).
  • All rates are subject to change without notice
  • NO Out-of-State Co-signers accepted
  • NO Home Equity Loans available Out-of-state
  • Late Payment Fee - $25.00
  • Note:  As of August 2, 2007, we now offer a longer term of 72 months on Loans over $20,000.

                           

 

 

   

Vehicle Loans
All Vehicles (including Auto, Truck, Boat, RV, Motorcycle, Jetski, ATV, etc.)

Effective Date 7/01/2010
Year
Term
APR As Low As

2008-2010 Models

24
4.60%
36
4.75%
48
4.85%
60
5.65%
72 
 6.25%
(For loans over $20,000 only)  
2003-2007 Models
24
5.55%
36
5.85%
48
6.05%
60
6.30%
 
 
2002 & Older
24
6.55%
 
36
6.85%
 
48
7.05%
 
60
7.30%
Boats/RV's longer terms
2008-2010
 
6-10 yrs.
7.00%
 
2002-2007
 
6-10 yrs.
8.25%


NOTES and ADDITIONAL RATE INFO
1. Older Models (Listed in NADA/CPI Book)
2. Boats & RV's Longer Terms:
2008-2010 6-10 years 7.00%
2002-2007 6-10 years 8.25%
3.  Mileage Restriction - High Mileage will be Deducted from the Retail Value in the NADA Book.
(IM) Mobile Home
Effective Date 7/01/2010
Loan up to 60% of value
Term
APR As Low As
Late Models
60
12.00%
 
120
12.25%
 
180
12.50%
 
 
 
Older Models
60 
15.00% 
 
120
15.50%

 

 

 

 

Home Equity

Effective Date 7/01/2010
Term
Fixed Rate (as low as)
Adjustable Rate
 
60
6.75%
N/A
 
84
7.00%
N/A
 
120
7.50%
N/A


- No Fees
- Fixed Rates
- Minimum $7,500

                                                                              

 

Signature Loans & Preferred Loans
 
Effective Date 7/01/2010
 
Term
APR As Low As

Signature Loan   -
12mo - 48mo         
Maximum $5,000
     

 

Preferred Loan
12mo - 60mo
Maximum $10,000

12
6.00%
24
6.75%
36
7.00%
48

7.30%

 

 

12

 

 

7.25%

24
7.50%
36
7.75%
48
8.00%
60
8.25%
Share Loans
Effective Date 7/01/2010
 
Term
APR As Low As
Up to 10 years
120
6.00%
MasterCard
Effective Date  7/01/2010
Min $500 Max $10,000
Late Payment
Fixed Rate APR
  • no annual fee
$20.00 As low as 10.00%
     
Secured Min $500    
  • no annual fee
$20.00 8.00%
 
General Loan Information