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Rates

Rates as of 01/04/2021

New Vehicle Loans (2019-2020)
Months A Rate
36 1.99%
48 1.99%
60 2.50%
72 ($20,000+) 2.99%
84 ($30,000+) 3.99%
Used Vehicle Loans (2010-2018)
Months A Rate
36 2.99%
48 2.99%
60 3.50%
72 ($20,000+) 3.99%
Used Vehicle Loans (2009 & Older)
Months A Rate
36 3.99%
48 4.50%
60 ($10,000+) 4.99%

*Vehicle loans include cars, trucks, vans and motor homes.

**Other Secured loans include motorcycles, garden tractors, 4-wheelers, trailers, etc.

***Maximum 60 month for all vehicles with more than 100,000 miles

LTV based on NADA retail for used vehicles or MSRP for new vehicles

All loans based on creditworthiness. Your actual rate may be higher.

Rates subject to change. Call the credit union for the most current rates.

Rates as of 01/01/2021

Variable Rate Loans 5/1 ARM
Term Origination Fee Rates as Low as
30 Years $889 3.00%
15 Years $889 2.75%
Fixed Rate Loans
Term Origination Fee Rates as Low as
30 Years $889 Quote
15 Years $889 3.25%
10 Years $889 3.00%
Land Only
Term Origination Fee Rates as Low as
10 Years - Metes & Bounds $889 6.00%
10 Years - Lot & Block $889 5.50%
Construction/Perm***
Term Origination Fee Rates as Low as
8 Months (I/O) $889 6.00%
Perm Term 0% Perm Rate
Home Equity
Type Term Rates as Low as
**Variable Rate Line of Credit HELOC (15 Year Maturity) 3.25%
*Quick Close Variable Rate HELOC (15 Year Maturity) 4.25%

*Quick Close Loans are limited to $150,000 max. Minimal closing cost to the member. Minimum loan of $10,000.00.

** Member pays closing costs.

***Construction loans are interest only payments for 8 month term. Fixed Rate. After 8 months the perm rate will apply.

All loans are based on creditworthiness. Your actual rate may be higher.

Rates as of 01/04/2021

Deposit Secured Loans
Description Months A Rate
Shares of Certificates 60 2% Over Dividend Rate
Minimum 3% Not to exceed Maturity of CD
Single Payment 12 2% Over Dividend Rate
Minimum 3% Not to exceed Maturity of CD
Unsecured Loans
Description Months A Rate
Single Payment 6 9.25%
Line of Credit / OE OE 10.00%
Closed End 12 8.95%
Closed End 36 9.50%
Closed End 60 9.95%
VISA Credit Cards
Description A Rate
VISA Platinum (No Annual Fee) 4.99%****
VISA Classic (No Annual Fee) 4.99%*****

All loans based on creditworthiness. Your actual rate may be higher.

Rates subject to change. Call the credit union for the most current rates.

****9.95% after 6 month introductory period.

*****14.95% after 6 month introductory period.

Rates as of 01/04/2021

Boats
Description Months A Rate
New 60 4.75%
Used 60 5.25%
**Other Secured Loans
Description Months A Rate
New 36 5.45%
New 60 5.95%
Used 36 6.05%
Used 60 6.55%

**Other Secured loans include motorcycles, garden tractors, 4-wheelers, trailers, etc.

LTV based on NADA retail for used vehicles or MSRP for new Vehicles

All loans based on creditworthiness. Your actual rate may be higher.

Rates subject to change. Call the credit union for the most current rates.