Lending
INTEREST RATES ARE BASED ON APPROVED CREDIT ON SCORES 751 OR HIGHER
|
Signature (Unsecured)
(Must have 10% in Shares) |
10% APR $5,000 Limit
Maximum term 48 months |
Share covered loans
|
3.0% for 6-36 months
4.0% for 37-48 months |
|
New Cars, RVs, Boats,
& Motorcycles, and Share Secured (2019 to 2020 vehicles are calculated at new car rate) |
3.50% APR for 36 months |
3.75% APR for 48 months |
4.00% APR for 60 months |
4.50% APR for 66 months |
5.00% APR for 72 months (over $20,000) |
6.75% APR for 84 months (over $25,000) |
|
Used Cars, RVs, Boats, & Motorcycles
(2018 and older) |
4.75% APR for 36 months |
5.25% APR for 48 months |
6.00% APR for 54 months |
6.50% APR for 60 months |
7.50% APR for 72 months |
|
(over $20,000.00) |
|
NEW VEHICLES - 100% of MSRP plus tax, license, service contract, and doc fee.
USED VEHICLES - Middle Blue Book including options, adding or subtracting for mileage plus tax, license, service contracts, and doc fee.
All RV, boat and motorcycle loans are 100% of list price on new and middle book on used, plus tax, license, DOC and warranty.
|
Vehicle refinances within the credit union must be for payoff plus $3,000.00
FULL COVERAGE INSURANCE MUST BE CARRIED ON ALL SECURED LOANS. MAXIMUM DEDUCTIBLE $750.
Signature loan refinances within the credit union must be for payoff plus $1000.00
Rates subject to change without notice