Monday, 23 of October of 2017

Rates

Rates Effective: October 28, 2015

Auto Purchase Loan Rate

Loan
Type

Term

APR*

New Autos

60 mos.

3.20%

New Autos

72 mos.

4.99%

Used Vehicle – 2014-2016

60 mos.

3.20%

Used Vehicle – 2013

60 mos.

3.20%

Used Vehicle – 2012

60 mos.

3.40%

Used Vehicle – 2011

60 mos.

3.90%

Used Vehicle – 2010 & Older

60 mos.

4.90%

Vehicles over 90k miles

42 mos.

5.90%

Recreational Vehicles

(RV’s,Travel Trailers, Motorcycles, ATV’s, Jet Skis, Boats, Equipment)

New

36 mos.

2.99%

New

60 mos.

4.99%

New

84 mos.

5.24%

Used RV 2014 & Newer

60 mos.

5.99%

Used RV 2013 & Older

60 mos.

6.24%

Used RV 2014 & Newer

84 mos.

6.90%

New Ag Equipment

60 mos.

4.5%

Used Ag Equipment

60 mos.

5.00%

Secured Loans

Share Secured

60 mos.

2.90%

Certificate Secured (See Below)

12 mos.

Dividend
Rate + 2.00%

Miscellaneous Secured

60 mos.

5.90%

Unsecured Loans

Unsecured

13.30%

Signature

12 mos.

8.99%

Signature

36 mos.

13.00%

Signature

60 mos.

14.00%

Signature – Derogatory

12 mos.

18.00%

MoneyLine (Line of Credit)

11.30%

Visa™ and MasterCard™

Classic ($300-$5,000)

12.90%

Gold ($5,000-$15,000)

12.50%

Secured (Minimum $300)

10.00%

 

Land Loans

Fixed Rates
In-House 10yr Balloon

Up
to 12 mos.

7.00%

In-House 10yr

7.50%

Note: All of the above mortgage loans can be amortized for up to 30 years.

*Annual percentage rates are based on credit scores. Rates may vary up to 18%. Rates are subject to change daily.

The Annual Percentage Rate (APR) will be the dividend rate being paid on the Certificate offered as security (index) plus the percentage shown in the “% above index” column above.  The Certificate must be renewed until the advance is completely paid.  Failure to renew will result in default under the Plan.  When the Certificate is renewed the APR will change to reflect the new dividend rate.  Any increase in the APR will result in more payments of the same amount until what you owe has been repaid.  The present APR will be disclosed on the voucher at the time of the advance.

LATE FEE:  If any payment is made more than 10 days after it is due, you may be charged a late fee of 20% of the interest due or a minimum of $15.00.

FILING FEE:  You will be charged a lien filing fee at the time of an advance if the credit union takes a security interest in your collateral.  The amount of the filing fee will be based upon the amount of fee required by state law for the credit union to obtain a perfected lien on your property.