Loan Rates

Effective as of 5/7/20 Print a Copy
Vehicle Loans
Loan Type Percent Financed Maximum Term APR Maximum Notes
New Auto 125% 6 Years 2.49% 60,000  
Used Auto - Up to 6 model years 125% 5 Years 2.99% 40,000 Note 3
Used Auto - Over 6 model years 100% 4 Years 5.90% 15,000 Note 4
Impaired Credit - New Auto 100% 6 Years 6.49% 60,000  
Impaired Credit - Used Auto 100% 5 Years 6.99% 40,000 Note 3
New RV 60% 7 Years 9.25% 50,000  
New Motorcycle 80% 5 Years 12.00% 25,000  
New Pop-up Campers, Travel Trailers (w/o motors) 70% 5 Years 12.00% 15,000  
Personal Loans
Loan Type Percent Financed Maximum Term APR Maximum Notes
Personal   5 Years 12.90% 15,000 Note 1
VISA   Open 12.40% 10,000  
Vacation Limits 1 Year 7.90% 15,000  
Vacation Apply 2 Years 8.90% 15,000  
Shared Secured   6 Months RS Rate +2%    
Certificate 70%   RS Rate +2%    
Student Loan   5 Years 6.90% 10,000  

1st Mortgage Refinancing
Percent Financed Maximum Term APR Maximum Notes
80% 20 Years 3.40% 350,000 Note 2
80% 15 Years 3.05% 350,000 Note 2
80% 10 Years 3.05% 350,000 Note 2
80% 7 Years 2.95% 350,000 Note 2
First Mortgage Purchase and 30-Year Refinancing
 
Click here for a sample of available rates and a contact sheet for a personal quote.
Home Equity - Fixed Rate
Percent Financed Maximum Term APR Maximum Notes
80% 15 Years 5.50% 160,000 Note 2
80% 10 Years 4.50% 160,000 Note 2
80% 5 Years 3.50% 160,000 Note 2
90% 15 Years 6.75% 40,000 Note 2
90% 10 Years 6.50% 40,000 Note 2
90% 5 Years 6.15% 40,000 Note 2

APR=Annual Percentage Rate

Note 1: Cannot rewrite to a lower rate for six months, and at least $1,000 additional amount borrowed.
Note 2: Cannot rewrite to a lower rate for one year, and at least $2,000 additional amount borrowed. Maximum loaned is per residence. Higher first mortgage loan amounts available when percent financed does not exceed 60%.
Note 3: Up to 6 model years old, percent financed refers to selling price of auto including tax, title, warranties and conveyance fees not to exceed book value.
Note 4: Over 6 and not more than 15 model years old, percent financed refers to selling price of auto not to exceed book value or best estimate. 

 

Rates subject to change without notice. While it is our intent to provide the most current rates and terms on this page, the Credit Union is not responsible for typographical errors, untimely updates or failure to email requested rate changes.