Rates

New Car Loans 2017-2019 and Share Loans (100%)
TermAPR
1-48 Months2.95%
49-60 Months3.75%
61-72 Months4.95%

Used Car Loans
YearTermAPR
2016 and 2017 (less than 10K miles)1-60 Months3.75%
2014-2017 (or over 10K miles)1-60 Months4.75%
2008-20131-48 Months5.60%

Recreational
TypeTermAPR
New Rec. Vehicles and Motor Homes72 Months5.95%
New Rec. Vehicles and Motor Homes120 Months6.90%
Used Rec. Vehicles and Motor Homes (2012-2017)120 Months7.00%
Used Rec. Vehicles and Motor Homes (2011-2012)120 Months7.25%
Personal Watercraft - Snowmobiles60 Months6.90%
Motorcycles (less than $15,000)60 Months5.25%
Motorcycles (more than $15,000) 84 Months5.50%
New Travel Trailers and Campers60 Months6.90%
Used Travel Trailers and Campers60 Months7.00%

Boats
TypeTermAPR
New Boats72 Months5.75%
New Boats over $15M120 Months6.25%
Used Boats120 Months6.90%
10% down payment required if over $15M at 90% of appraised value on used boats.

Other
TypeTermAPR
Home Imp. 100% secured, no write-up60 Months9.50%
Home Imp. Over $1,000 with write-up60 Months9.50%
Personal or Signature120 Months12.00%
Revolving Credit PlansPer plan12.00%
O/D Line of Credit PlansPer plan15.00%
Power Saver (Energy related)60 Months7.90%
Computer/Technology Loans up to $5,00060 Months7.90%

Mobile Home Loans Fixed Rate
FeaturesPayments will be calculated over 180 months with the balance coming due in 84 months, which may be refinanced (at a new calculated rate) or paid off at that time.
Rate Calculations Based on an index of the latest four week average of the six month treasury bill rate (auction average). We then add 4.50% APR to that index and round to the next quarter percent.
NoteFloor rate is 8.00% APR and ceiling is 15.00% APR
Current RateRate changes weekly, contact Credit Union for current rate.


Home Equity Loan Variable Rate
Rate CalculationsBased on an index of the monthly average of the six month treasury bill rate (auction average) as of the date of any annual percentage rate adjustment. We then add 3.50% to that index and round to the next quarter percent. Thereafter, the interest rate will be adjusted on the first day of each quarter and will not effect the payment amount.
NoteFloor rate is 6.25% APR and ceiling is 18.00% APR
Current Rate6.25% APR

Home Equity Loan Fixed Rate
Rate CalculationsRate determine by the Board of Directors.
NoteRepayment shall not exceed 180 months in duration.
Current Rate8.50% APR

Loans for Property
TermAPR
120 Months11.00%

Share Savings
Minimum Balance for APYAPRAPY
$1000.15% 0.15%
$10,0000.25% 0.25%
$10 minimum deposit required to open account.

High Earning Account
Minimum Balance for APYAPRAPY*
$15,0000.50%0.50%
$15,000 minimum deposit required to open account.

Individual Retirement Accounts
Minimum Balance for APYAPRAPY*
$1000.15% 0.15%
$10,0000.25% 0.25%
$15,0000.50% 0.50%
No minimum deposit required to open account.

APR is Annual Percentage Rate
*Annual Percentage Yield designated as APY.
Fees may reduce earnings on accounts.