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Loans

Effective as of 2/27/2023

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Vehicle Loans
Loan Type APR Maximum Amount Maximum Term Percent Financed Notes
New Auto 3.49% $100,000 7 years 125% N/A
Used Auto - Up to 6 Model Years 3.99% $50,000 6 years 125% Note 1
Used Auto - Over 6 Model Years 6.90% $15,000 4 years 100% Note 2
Impaired Credit - New Auto 7.49% $60,000 6 years 100% N/A
Impaired Credit - Used Auto 7.99% $40,000 5 years 100% Note 1
New RV 9.25% $50,000 7 years 60% N/A
New Motorcycle 12.00% $25,000 5 years 80% N/A
New Pop-up Campers, Travel Trailers (w/o motors) 12.00% $15,000 5 years 70% N/A
Personal Loans
Loan Type APR Maximum Amount Maximum Term Percent Financed Notes
Personal 12.90% $15,000 5 Years N/A Note 3
VISA 12.40% $10,000 Open N/A N/A
Vacation 7.90% $15,000 1 Year Limits Apply N/A
Vacation 8.90% $15,000 2 Years Limits Apply N/A
Shared Secured Regular Share Rate +2.00% N/A 6 Months N/A N/A
Certificate Regular Share Rate +2.00% N/A N/A 70% N/A
Student Loan 6.90% $10,000 N/A N/A N/A
1st Mortgage Refinancing
Maximum Term APR Maximum Amount Percent Financed Notes
20 Years 6.35% $400,000 80% Note 4
15 Years 5.55% $400,000 80% Note 4
10 Years 5.10% $400,000 80% Note 4
7 Years 4.20% $400,000 80% Note 4
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
Maximum Term APR Maximum Amount Percent Financed Notes
15 Years 5.50% $160,000 80% Note 4
10 Years 5.00% $160,000 80% Note 4
5 Years 4.30% $160,000 80% Note 4
15 Years 6.75% $40,000 90% Note 4
10 Years 6.50% $40,000 90% Note 4
5 Years 6.15% $40,000 90% Note 4

APR=Annual Percentage Rate

Note 1: 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 2: 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.
Note 3: Cannot rewrite to a lower rate for six months, and at least $1,000 additional amount borrowed.
Note 4: 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%.

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.