YOUR Credit Union's Best Rates

As low as . . . APR
New Vehicles   2.00 %
Used Vehicles   2.50 %
Platinum Visa 10.90 %

See all Rates . . .


Rates

Annual Percentage Rate (APR)

Current Loan Rates Dividend Rates Fee Schedule

Effective as of: January 5, 2016
NEW VEHICLES
Payment per $1000 borrowed, $17.53-17.75 for 60 months, up to 84 months term available base on amount financed.
 
100% Financing
Base rate: 2.50% APR
90% Financing
 
Base rate: 2.25% APR
80% Financing
Base rate: 2.00% APR
 
PREMIER USED CAR RATE (PREVIOUS TWO MODEL YEARS)
 
Payment per $1,000 borrowed, 60 months term: $17.75, up to 84 months term available based on amount financed.
 
WHERE THE CREDIT UNION IS FINANCING THE WHOLESALE BLUE BOOK PLUS TAX AND LICENSE, OR THE SELLING PRICE, WHICHEVER IS LOWER.
 
Base rate: 2.50% APR
STANDARD USED CAR RATE
WHERE THE CREDIT UNION IS FINANCING A GREATER AMOUNT THAN THE WHOLESALE BLUE BOOK, THE FOLLOWING RATES APPLY:
 
Payment per $1,000, 60 months term: $17.86 – $19.10. Up to 84 months term available based on amount financed.
 
2017 and 2016
Base rate: 2.75% APR
2015
Base rate: 3.25% APR
2014, 2013, and 2012
Base rate: 3.75% APR
2011 and 2010
Base rate: 4.25% APR
2009 and Older
Base rate: 5.25% APR
MOTORCYCLE
Payment per $1000 borrowed for 60 months: $18.64-19.92.
 
NEW: (Base rate) 4.50% APR
90% of purchased price plus tax and license
USED:2017 and 2016 (base rate) 5.50% APR
2015 (base rate) 6.00% APR
2014 (base rate) 6.50% APR
2013 (base rate) 7.00% APR
2012 (base rate) 7.25% APR
70% of retail value plus tax and license
 
NEW BOATS (PLEASURE)
Payment per $1,000 borrowed for 60 months: $18.76. Up to 144 months term available based on amount financed.
 
ADVANCE: 85% OF PURCHASE PRICE
Base rate: 4.75% APR
USED BOATS (PLEASURE)
Payment per $1,000 borrowed for 60 months:$19.22. Up to 144 months term available based on amount financed.
 
ADVANCE: 75% OF PURCHASE PRICE
Base rate: 5.75% APR
OTHER:
PHYSICAL DAMAGE INSURANCE MANDATORY. MARINE SURVEY REQUIRED ON BALANCES FINANCED $7,500 OR OVER. CREDIT UNION WILL NOT ADVANCE IN EXCESS OF SURVEYS LOWEST VALUATION.
NEW RECREATIONAL VEHICLES
Payment per $1,000 borrowed for 60 months: $18.64. Up to 144 months term available based on amount financed.
 
(INCLUDING: MOTOR HOMES, CAMPERS, TRAILERS, SELF-CONTAINED VANS, HOUSE CARS, ETC.)
ADVANCE: 80% OF PURCHASE PRICE
Base rate: 4.50% APR
USED RECREATIONAL VEHICLES
Payment per $1,000 borrowed for 60 months:$18.87. Up to 144 months term available based on amount financed.
 
(INCLUDING: MOTOR HOMES, CAMPERS, TRAILERS, SELF-CONTAINED VANS, HOUSE CARS, ETC.)
ADVANCE: 100% OF LOW KELLY BLUE BOOK VALUE
Base rate: 5.00% APR
 
SIGNATURE LOANS
Payment per $1,000 borrowed for 18 months: $60.40. Up to 60 months term available based on amount financed.
 
ADVANCE: MAXIMUM ALLOWABLE $15,000 (TOTAL PER MEMBER)
Base rate: 10.75% APR
 
VISA
Platinum with eZRewardsup to $25,000Rate: 10.90% APR
Classicup to $7,500Rate: 12.90% APR
Secured Visa:Minimum credit limit $500Rate: 12.90% APR
LINE OF CREDIT (LOC)
Minimum payment $25 or 2.50% of balance or the balance if less than $25.
 
Rate: 14.00% APRMinimum: $500
 
OTHER CREDIT:
SHARE SECURED
Payment per $500 borrowed for 12 months: $42.15. Up to 72 months term available based on amount financed.
 
ADVANCE:100% OF SHARES AVAILABLE
RATE:2.00% APR ABOVE CURRENT DIVIDEND RATEMAX TERM: 72 MONTHS
OTHER:
ELIGIBLE SHARE CERTIFICATES
Single payment loan, payable in full when the certificate matures.
 
ADVANCE:90% OF SHARES AVAILABLE
RATE:1.75% APR ABOVE THE DIVIDEND RATE SPECIFIED ON THE CERTIFICAT
TERM:
ONE PAYMENT LOANS WITH MATURITY DATES THAT SPECIFICALLY COINCIDE WITH THE REDEMPTION DATE OF THE CERTIFICATE.
OTHER:
CERTIFICATE MUST BE SURRENDERED. ONLY THE MEMBER (CERTIFICATE HOLDER) MAY BORROW. CERTIFICATE MUST BE IN THE SAME ACCOUNT THE LOAN WILL BE IN. EXTENSION AGREEMENTS ARE PROHIBITED. EARLY SURRENDER OF A CERTIFICATE COLLATERALIZED FOR A LOAN WILL NOT BE NEGOTIATED UNLESS LOAN BALANCE IS PAID IN FULL.
 
TRUST DEEDS: OWNER OCCUPIED
Payment per $1,000 borrowed: $18.64 for 60 months. Up to 180 months term available.
 
I) ADVANCE:80% OF APPROVED APPRAISAL/EVALUATION IF OWNER OCCUPIED
RATE:60-180 MONTHS4.50% APR
TERM:AS ABOVE, CONSISTENT WITH AMOUNT FINANCED AND PURPOSE OF LOAN
REQUIREMENTS:
1) 5 YEAR HOME OWNER
2) 5 YEARS EMPLOYMENT WITH SAME FIRM
3) FULL APPRAISAL
TRUST DEEDS - NON OWNER OCCUPIED
Payment per $1,000 borrowed: $19.22 – 19.68 for 60 months. Up to 144 months term available.
 
ADVANCE:
*70% OF APPROVED APPRAISAL IF NON-OWNER OCCUPIED, LESS ENCUMBRANCE AND CLEAR OF ALL LIENS
*THE MAXIMUM TERM SHALL BE LIMITED TO 12 YEARS (144 MONTHS)
RATE:UP TO 60 MONTHS5.75% APR
61 - 84 MONTHS6.25% APR
85 - 144 MONTHS6.75% APR
OTHER:
A WRITTEN APPRAISAL/EVALUATION IS MANDATORY AND MUST BE MADE BY A CREDIT UNION DESIGNATED APPRAISER. FIRE INSURANCE POLICY, POLICY OF TITLE INSURANCE NECESSARY.
MINIMUM ALLOWABLE:$5,000
MAXIMUM ALLOWABLE:$200,000