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 6-48 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