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Current Loan Rates

Please use the Credit Score Guide below to help determine the best interest rate that you can qualify for. Rates are assigned based on the Credit Union’s Lending Policy and Guidelines. Underwriting restrictions may apply.

CREDIT SCORE GUIDE
Grade
Score
Rate Structure

A
720 +
Base Rate

B
680-719
Base Rate + 1.00%

C
620-679
Base Rate + 3.00%

D
580-619
Base Rate + 7.00%

E
579 -
Base Rate + 11.00%

*No score borrower will receive a Grade “C”.


LOAN TYPE
APR*
Term**
Percent Financed
Share Secured
3% over stated Regular Share Rate
Up to 60 Months
100%
Share Certificate Secured
2% over stated Certificate Rate
6 Months to 3 Years
100%
Signature
9.00%
Up to 24 Months
Up to $5,000
VISA Classic
12.00% - 17.99%
Revolving
Inactivity:$20.00 anually in January
$0 to $4,999.99 
VISA Platinum
9.99%
Revolving
No Annual Fee
$5,000.00 - $10,000
Revolving/Overdraft
15.00%
Revolving
Up to $2,500
Cars/Pickups New & Used
3.75%
Up to 72 months
Up to 100%
Boats, R.V.'s, Trailers, Mobile Homes, Misc. Equip.
Boats/RV's/Trailers-4.49% /Mobile Homes/Misc Equip-9.75%
Up to 180 months
Up to 100%
Motorcycles, ATV's, Snowmobiles
7.75%
Up to 60 months
Up to 100%

Mortgage Rates

1st Mortgage/Home Equity Rates Based on Credit Score - Maximum Term 15 Years
Score
Rate Structure
Up To 120 Months
(10 Years)
Up To 180 Months
(15 Years)
A Base Rate
5.75% APR*
6.00% APR*
B Base Rate + 1.0%
6.75% APR*
7.00% APR*
C Base Rate + 2.0%
7.75% APR*
8.00% APR*
D Base Rate + 4.0%
9.75% APR*
9.00% APR*
E Base Rate + 5.0%
10.75% APR*
11.00% APR*


2nd Mortgage/Home Equity Rates Based on Credit Score - Maximum Term 15 Years
Score
Rate Structure
Up To 120 Months
(10 Years)
Up To 180 Months
(15 Years)
A Base Rate
6.50% APR*
6.75% APR*
B Base Rate + 1.0%
7.50% APR*
7.75% APR*
C Base Rate + 2.0%
8.50% APR*
8.75% APR*
D Base Rate + 4.0%
10.50% APR*
10.75% APR*
E Base Rate + 5.0%
11.50% APR*
11.75% APR*


** Based on Total Loan Amount
Loan Amount:
Term:
$35,000.00
Up To 180 Months
$20,000.00
Up To 84 Months - 144 Months
$18,000.00
Up To 72 Months
$10,000.00
Up To 60 Months
$5,000.00
Up To 48 Months
Less Than $5,000.00
Up To 36 Months
Exceptions to term limits available - please call a loan representative.
 
Rates quoted are best rates possible, please contact a C.U. Rep.

Effective Date: March 18, 2014
Rates Subject To Change Without Notice.
     
This credit union is federally insured by the National Credit Union Administration.