Rates Effective: January 6, 2023
|
Auto Purchase Loan Rate |
||
| Loan Type |
Term |
APR* |
| New Autos |
60 mos. |
6.4% |
| New Autos |
72 mos. |
6.9% |
| Used Vehicle – 2022-2023 |
60 mos. |
6.4% |
| Used Vehicle – 2021 |
60 mos. |
6.9% |
| Used Vehicle – 2020 |
60 mos. |
6.9% |
| Used Vehicle – 2019 |
60 mos. |
6.9% |
| Used Vehicle – 2018 & Older |
60 mos. |
7.5% |
| Vehicles over 90k miles |
42 mos. |
7.9% |
|
Recreational Vehicles (RV’s,Travel Trailers, Motorcycles, ATV’s, Jet Skis, Boats, Equipment) |
||
| New |
36 mos. |
6.25% |
| New |
60 mos. |
6.90% |
| New |
84 mos. |
7.90% |
| Used RV 2018 & Newer |
60 mos. |
7.15% |
| Used RV 2017 & Older |
60 mos. |
7.25% |
| Used RV 2018 & Newer |
84 mos. |
7.90% |
| New Ag Equipment |
60 mos. |
7.90% |
| Used Ag Equipment |
60 mos. |
8.90% |
|
Secured Loans |
||
| Share Secured |
60 mos. |
3.90% |
| Certificate Secured (See Below) |
12 mos. |
Dividend |
| Miscellaneous Secured |
60 mos. |
7.90% |
|
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 |
||
| Home Improvement |
60 mos. |
7.90% |
| In-House 10yr Balloon |
Up |
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.