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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 8/24/2011
Year
Term
APR As Low As

2009-2011 Models
24
3.00%
36
3.15%
48
3.25%
60
4.05%
72 
 4.65%
(For loans over $20,000 only)  
2004-2008 Models
24
4.10%
36
4.25%
48
4.40%
60
4.65%
 
 
2003 & Older
24
5.05%
 
36
5.35%
 
48
5.50%
 
60
5.75%
Boats (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:
2009-2011 6-10 years 7.00%
2004-2008 6-10 years 8.25%		 3.  Mileage Restriction - High Mileage will be Deducted from the Retail Value in the NADA Book.
RV Loans
Contact our Loan Call Center at 716-564-1173 for more details
 
     
     
     
     
     
     
     

 

 

 

 

Home Equity

Effective Date 8/24/2011
Term
Fixed Rate (as low as)
Adjustable Rate
 
60
N/A
N/A
 
84
N/A
N/A
 
120
N/A
N/A


- No Fees
- Fixed Rates
- Minimum $7,500  Maximum $30,000

Contact our Loan Call Center at 716-564-1173 for more details

                                                                              

 
Signature Loans & Preferred Loans
 
Effective Date 8/24/2011
Term
APR As Low As

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

Preferred Loan
12mo - 60mo
Maximum $10,000
12
4.00%
24
5.00%
36
5.25%
48

5.55%

12

7.25%

24
7.50%
36
7.75%
48
8.00%
60
8.25%
Share Loans
Effective Date 8/24/2011
Term
APR As Low As
Up to 10 years
120
4.50%
MasterCard
Effective Date  8/24/2011
Min $500 Max $10,000
Late Payment
Fixed Rate APR
  • no annual fee
 $20.00 As low as 10.00%  *DPR .8333
 
Secured Min $300  
  • no annual fee
 $20.00

10.00%  *DPR .8333

 

*DPR = Daily Periodic Rate

General Loan Information