Auto Loan, Auto Refinance, and New Recreation Vehicles Loan RatesEffective as of October 26, 2022.
|Loan Type||Example Term||APR* as low as||Mo. Payment
for Maximum Term per $1,000.
|New or Used Car / Truck|
12-84 Months available
|Refinance Auto Loan||84 Months||4.99%|
|New Recreation Vehicles1||1-15 Years||7.99%||$9.56|
|Used Recreation Vehicles1||1-15 Years||8.99%||$10.15|
|*APR = Annual Percentage Rate. The loan rates listed above are the lowest available rates. Your actual rate may be higher depending on your credit history and other factors. Monthly payment estimates are based on the longest loan term shown. 1Auto and Truck loans can be financed up to 100% of the NADA Value. Recreation can be financed up to 85% of the NADA Value. The maximum allowable repayment term will be based on the amount borrowed. 2Auto loan refinancing is only offered on loans currently held with another lender. Some restrictions may apply. Ask for details. Cars and trucks that have a clear title may also be considered for refinancing. Loan approval is subject to creditworthiness and other factors. Rates are subject to change at any time. Please contact the credit union to verify the most current rates.
Mastercard Credit Card Terms & RatesEffective as of 12/30/2020
|Rates & Benefits||Platinum Mastercard®||Classic Mastercard®||Secured Mastercard®|
|Regular Annual Percentage Rate* for purchases, cash advances, and balance transfers||9.40% APR* Fixed||as low as 12.50% APR* Fixed||17.99 % APR* Fixed|
|Intro APR Rate**||1.99% APR* for first 6 billing cycles||None||None|
|Balance Transfer Fee||None||None||None|
|Cash Advance Fee||Yes||Yes||Yes|
|Disable Lost and Stolen Card via Online or Mobile Banking||Yes||Yes||Yes|
|Report Lost or Stolen Card via Telephone |
|*APR = Annual Percentage Rate. Rates quoted are the lowest available ("as low as"). Actual rate may differ and depends on the applicant's and/or co-applicant's credit history. Rates are subject to change. Approval for credit cards are based on creditworthiness and ability to repay. Applicants who do not qualify for a Platinum MasterCard may be offered a Classic or Secured MasterCard®.
**Introductory APR is for the first 6 billing cycles. After that, your rate will convert to the standard rate for your account.
Personal Loan RatesEffective as of April 25, 2019
|Type||Term**||APR* as low as||Mo. Payment
(per $1,000 borrowed)
|Anything Loan||Up to 72 months||12.90%||$20.04|
|Vacation Loan||Up to 72 months||12.90%||$20.04|
|Debt Consolidation||UP to 72 months||12.90%||$20.04|
|Credit Builder Loan||Up to 60 months||3.05%||$18.47|
|*APR = Annual Percentage Rate. The loans rates listed above are the lowest available rates. Your actual rate may be higher depending on your credit history and other factors. Maximum allowable repayment term will be based on amount borrowed and other factors. Monthly Payment estimates are based on the longest loan term shown. Loan approval is subject to creditworthiness and other factors. Rates are subject to change at any time. Please contact the credit union to verify the most current rates.
Home Equity Line of Credit RatesEffective as of August 12, 2021
|LTV||12-Mo Intro Fixed APR*||Standard Variable APR*||Monthly Payment|
|Up to 80% Loan to Value||1.49% APR||Currently 4.00% APR||$100 Min. Interest-Only Payments for 10-Year Draw Period|
|*APR=Annual Percentage Rate. Rates are subject to change. The introductory APR is for 12 months. The standard, post-introductory APR will be a fully indexed, variable rate based on the Prime Rate and may adjust on a semi-annual basis. The Prime Rate is obtained from the Wall Street Journal. We offer Prime less 0.25%. The minimum standard APR is 4.00% and the maximum APR is 14.00%. Your approval is subject to your creditworthiness and the verification of collateral. The minimum monthly payment is $100. Adequate property and flood insurance are required, if applicable. The Credit Union will pay all initial closing costs. The homeowner is responsible for the cost of the Home Appraisal. If the HELOC is paid off and closed within 24 months of the original note date, closing costs must be reimbursed to the Credit Union by the borrower. Closing costs vary and generally range between $850 to $1,000 on a $20,000 line of credit.|