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Current Loan Rates

Rates Effective December 29, 2010.
Rates subject to change without notice. Rates may not reflect recent changes.

NEW VEHICLE LOANS
  
APR*
TERM
MAXIMUM AMOUNT $50,000.00
3.750% - 15.250%
 Up To 36 Months Payback
4.000% - 15.500%
 Up To 48 Months Payback
4.250% - 15.750%
 Up To 60 Months Payback
4.500% - 16.000%
 Up To 72 Months Payback
*APR = Annual Percentage Rate.


USED VEHICLE LOANS
(1 - 3 years old)
  
APR*
TERM
MAXIMUM AMOUNT $50,000.00
5.250% - 16.750%
Up To 36 Months Payback
5.500% - 17.000%
Up To 48 Months Payback
5.750% - 17.250%
Up To 60 Months Payback
6.000% - 17.500%
Up To 72 Months Payback
*APR = Annual Percentage Rate.


USED VEHICLE LOANS
(4 - 5 years old)
  
APR*
TERM
MAXIMUM AMOUNT $50,000.00
5.500% - 17.000%
Up To 36 Months Payback
6.000% - 17.500%
Up To 48 Months Payback
6.250% - 17.750%
Up To 60 Months Payback
*APR = Annual Percentage Rate.


USED VEHICLE LOANS
(6 years +)
  
APR*
TERM
MAXIMUM AMOUNT $30,000.00
5.750% - 17.250%
Up To 36 Months Payback
6.000% - 17.500%
Up To 48 Months Payback
*APR = Annual Percentage Rate.


ALL OTHER COLLATERAL LOANS
   
APR*
TERM
MAXIMUM AMOUNT $50,000.00
6.750% - 18.250%
 Up To 5 Years Payback
7.500% - 19.000%
Up To 12 Years Payback
*APR = Annual Percentage Rate.


SIGNATURE LOANS
   
APR*
TERM
MAXIMUM AMOUNT $10,000.00
6.750% - 21.750%
 Up To 60 Months Payback
*APR = Annual Percentage Rate.


SHARE LOANS
  
APR*
TERM
UP TO $25,000.00
4.000%
 Up To 60 Months Payback
2% Above Last Dividend
OVER $25,000.00 TO $50,000.00
4.500%
 Up To 96 Months Payback
1/2% Above Current Share Loan Rate
*APR = Annual Percentage Rate.


SHARE CERTIFICATE LOANS
  
APR*
TERM
UP TO $25,000.00
-
 Up To 36 Months Payback
2.0% Above Current Share Certificate Rate
OVER $25,000.00
-
 Up To 36 Months Payback
2.5% Above Current Share Certificate Rate
ANY AMOUNT - BALLOON NOTES ONLY
-
 Up To 12 Months Payback.
2.0% Above Current Share Certificate Rate
*APR = Annual Percentage Rate.


VACATION/CHRISTMAS LOANS
  
APR*
TERM
VACATION - UP TO $2000.00
8.000%
 12 Month Payback
CHRISTMAS - UP TO $1000.00
(October to January only)
7.500%
 10 Month Payback
*APR = Annual Percentage Rate.


ONE-STEP LOANS
  
APR*
TERM
UP TO $400.00
21.000%
Up To 6 Mths- with p/r deduction
28.000%
Up To 6 Mths- without p/r deduction
*APR = Annual Percentage Rate.


SECOND CHANCE LOANS
  
APR*
TERM
SECOND CHANCE - UP TO $1,000.00
(Payroll Deduction Only)
18.000%
 Up To 12 Months Payback
$500 TO MBR/$500 TO SHARES
*APR = Annual Percentage Rate.


LIFE IMPROVEMENT LOANS
  
APR*
TERM
Life Improvement - UP TO $30,000.00 Max
7.750% - 18.250%
Up To 84 Months Payback
*APR = Annual Percentage Rate.
 
This credit union is federally insured by the National Credit Union Administration.
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