LOAN INTEREST RATES
*Annual Percentage Rate
New Auto
Term of Loan 730+ 680-729 640-679 600-639 599 or less Minimum $ Maximum LTV
36MN 4.20% 6.20% 8.49% 8.50% 15.00% $3,500.00 110%
48MN 4.20% 6.20% 8.49% 8.75% 15.00% $5,000.00 110%
60MN 4.20% 6.20% 8.49% 9.00% 15.00% $10,000.00 110%
72MN 4.50% 6.50% 8.99% 9.25% 15.00% $15,000.00 110%
84MN 5.49% 6.50% 9.49% 10.75% 16.00% $25,000.00 100%
Used Auto
Term of Loan 730+ 680-729 640-679 600-639 599 or less Minimum $ Maximum LTV
36MN 4.20% 6.20% 8.50% 8.75% 15.00% $3,500.00 110% (of low KBB)
48MN 4.20% 6.20% 8.75% 9.00% 15.00% $5,000.00 110% (of low KBB)
60MN 4.20% 6.20% 9.00% 9.25% 15.00% $10,000.00 110% (of low KBB)
72MN 4.50% 6.50% 9.25% 9.50% 15.00% $15,000.00 110% (of low KBB)
84MN 5.49% 7.49% 10.75% 11.00% 16.00% $25,000.00 100% (of low KBB)
The following rates include all new and used motorcycles, motor homes, and boats, etc.
FICO SCORES New Used
730 and above 7.00% 8.50%
680-729 7.25% 8.75%
640-679 8.00% 9.00%
600-639 12.50% 12.75%
599 or less 16.00% 16.00%
Holiday,
Emergency,
FICO SCORES Unsecured & Vacation
730 and above 8.50% 8.50%
Loan limit: $1,500.00
680-729 11.00% 11.00%
Loan limit: $1,500.00
640-679 13.50% 13.50%
Loan limit: $1,500.00
600-639 15.50% 15.50%
Loan limit: $1,500.00
599 or less 18.00% 18.00%
Loan Limit $1,500.00
UNSECURED LOAN LIMITS QUALIFICATIONS
Members with under a year of service may borrow up to $3,000-24mns.
Members with a minimum of one year of service may borrow up to $5,000-36mns.
Members with three years of service may borrow up to $7,500-36mns.
Members with five years of service may borrow up to $10,000-36mns.
Members with seven years of service may borrow up to $15,000-48mns.
Members with ten years and over service of service may borrow up to $20,000-60mns.
Need Cash Now Loan
$20.00 fee
$500.00 maximum
24%-payment payroll deducted
28%-payment nor payroll deducted
Increase My Wealth
$1,000 to $10,000, at 4% for 1-5 years; put it back into a special savings account that is frozen until the loan is paid. No credit or income verification.
Share Secured Loan-maximum term up to 120 months
Up to 36 mns-2% above dividend rate earned
37 mns-60 mns-3% above dividend rate earned
61 mns-84 mns-4% above dividend rate earned
85 mns-120 mns-5% above dividend rate earned
Title Loans
18%
18 months
Call Credit Union for details
Rates may change at any time as determined by the Credit Union Board of Directors.
New Auto
Term of Loan 730+ 680-729 640-679 600-639 599 or less Minimum $ Maximum LTV
36MN 4.20% 6.20% 8.49% 8.50% 15.00% $3,500.00 110%
48MN 4.20% 6.20% 8.49% 8.75% 15.00% $5,000.00 110%
60MN 4.20% 6.20% 8.49% 9.00% 15.00% $10,000.00 110%
72MN 4.50% 6.50% 8.99% 9.25% 15.00% $15,000.00 110%
84MN 5.49% 6.50% 9.49% 10.75% 16.00% $25,000.00 100%
Used Auto
Term of Loan 730+ 680-729 640-679 600-639 599 or less Minimum $ Maximum LTV
36MN 4.20% 6.20% 8.50% 8.75% 15.00% $3,500.00 110% (of low KBB)
48MN 4.20% 6.20% 8.75% 9.00% 15.00% $5,000.00 110% (of low KBB)
60MN 4.20% 6.20% 9.00% 9.25% 15.00% $10,000.00 110% (of low KBB)
72MN 4.50% 6.50% 9.25% 9.50% 15.00% $15,000.00 110% (of low KBB)
84MN 5.49% 7.49% 10.75% 11.00% 16.00% $25,000.00 100% (of low KBB)
The following rates include all new and used motorcycles, motor homes, and boats, etc.
FICO SCORES New Used
730 and above 7.00% 8.50%
680-729 7.25% 8.75%
640-679 8.00% 9.00%
600-639 12.50% 12.75%
599 or less 16.00% 16.00%
Holiday,
Emergency,
FICO SCORES Unsecured & Vacation
730 and above 8.50% 8.50%
Loan limit: $1,500.00
680-729 11.00% 11.00%
Loan limit: $1,500.00
640-679 13.50% 13.50%
Loan limit: $1,500.00
600-639 15.50% 15.50%
Loan limit: $1,500.00
599 or less 18.00% 18.00%
Loan Limit $1,500.00
UNSECURED LOAN LIMITS QUALIFICATIONS
Members with under a year of service may borrow up to $3,000-24mns.
Members with a minimum of one year of service may borrow up to $5,000-36mns.
Members with three years of service may borrow up to $7,500-36mns.
Members with five years of service may borrow up to $10,000-36mns.
Members with seven years of service may borrow up to $15,000-48mns.
Members with ten years and over service of service may borrow up to $20,000-60mns.
Need Cash Now Loan
$20.00 fee
$500.00 maximum
24%-payment payroll deducted
28%-payment nor payroll deducted
Increase My Wealth
$1,000 to $10,000, at 4% for 1-5 years; put it back into a special savings account that is frozen until the loan is paid. No credit or income verification.
Share Secured Loan-maximum term up to 120 months
Up to 36 mns-2% above dividend rate earned
37 mns-60 mns-3% above dividend rate earned
61 mns-84 mns-4% above dividend rate earned
85 mns-120 mns-5% above dividend rate earned
Title Loans
18%
18 months
Call Credit Union for details
Rates may change at any time as determined by the Credit Union Board of Directors.
