Loans
 Loan Products
No matter what your financial needs might be, we have a
loan program structured just for you:
- Autos (classics too!)
- Trucks
- RV’s (campers, motorhomes, 5th wheels)
- Motorcycles and dirt bikes
- Boats, jet skis and snowmobiles
- Computers and furniture
- Home equity and home improvement
- Construction
- Personal and Flash Cash (lines of credit)
- Share Secured
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Current Loan Rates
Effective
April 1, 2008
|
Consumer Rate Loan Schedule |
| Type of Loan |
Term |
Premier+
A+
720-Above |
Premier
A
680-719 |
Standard
B
640-679 |
Value
C
600-639 |
Rebuilder
D
599-Below |
| Share Pledged - Shares/CDs - 100% of
deposit |
Any Term |
Plus 3.00% |
Plus 3.00% |
Plus 3.00% |
Plus 3.00% |
Plus 3.00% |
| Personal (Unsecured) - $6,000 Max |
36 mo |
11.00% |
11.50% |
15.00% |
16.00% |
18.00% |
| New Autos, Trucks, RVs,
Motorcycles, & Boats |
| 08-09 Models
- 100% of Sticker |
24 mo |
5.50% |
6.00% |
7.50% |
9.50% |
11.50% |
| 36 mo |
5.50% |
6.00% |
7.50% |
9.50% |
11.50% |
| 48 mo |
5.50% |
6.00% |
7.50% |
9.50% |
11.50% |
| 60 mo |
5.75% |
6.25% |
7.75% |
9.75% |
11.75% |
| 72 mo** |
6.25% |
6.75% |
8.25% |
10.25% |
12.25% |
|
**Minimum amount financed on 72 mo is $18,000, mileage not
to exceed 30,000 |
| Used Autos, Trucks, RVs,
Motorcycles, & Boats |
| 05-07 Models
- NADA Retail |
24 mo |
6.00% |
6.50% |
8.00% |
10.00% |
12.00% |
| 36 mo |
6.00% |
6.50% |
8.00% |
10.00% |
12.00% |
| 48 mo |
6.00% |
6.50% |
8.00% |
10.00% |
12.00% |
| 60 mo |
6.25% |
6.75% |
8.25% |
10.25% |
12.25% |
| 72 mo** |
6.75% |
7.25% |
8.75% |
10.75% |
12.75% |
|
**Minimum amount financed on 72 mo is $18,000, mileage not
to exceed 30,000 |
| 01/04 Models
- NADA Retail |
24 mo |
7.25% |
7.75% |
9.25% |
11.25% |
13.25% |
| 36 mo |
7.25% |
7.75% |
9.25% |
11.25% |
13.25% |
| 48 mo |
7.25% |
7.75% |
9.25% |
11.25% |
13.25% |
| 60 mo |
7.75% |
8.25% |
9.75% |
11.75% |
13.75% |
| 99-00 Models - NADA
Retail |
48 mo |
7.75% |
8.25% |
9.75% |
11.75% |
13.75% |
| 98-Prior -
NADA Trade |
36 mo |
7.75% |
8.25% |
9.75% |
11.75% |
13.75% |
|
**Any vehicle over 100,000 miles will have a maximum term
or 36 months |
| Classic Cars - 70% of
Appraised Value |
60 mo |
9.50% |
10.00% |
11.50% |
13.50% |
15.50% |
| Jet Skis, 4 Wheelers, Dirt Bikes, Snowmobilers - 25% Down Required on All Purchases |
36 mo |
7.50% |
8.00% |
9.50% |
11.50% |
13.50% |
| Computers - 100%
Purchase Price |
24 mo |
7.00% |
7.50% |
9.00% |
11.00% |
13.00% |
| Furniture - 100%
Purchase Price (New Only) |
36 mo |
9.00% |
9.50% |
11.00% |
13.00% |
15.00% |
| Other Collateralized Purchases
- 100% of Purchase |
36 mo |
9.00% |
9.50% |
11.00% |
13.00% |
15.00% |
| 48 mo |
10.00% |
10.50% |
12.00% |
14.00% |
16.00% |
| Home Equity Mtgs - 80%
of Value |
15 yr |
6.75% |
6.75% |
6.75% |
6.75% |
6.75% |
| Construction Loans |
|
8.99% |
9.49% |
10.99% |
12.99% |
14.99% |
All loans subject to eligibility requirements
Rates subject to change without notice
$25 minimum monthly payments required
If a loan is paid off within 5 business days, a $25 loan servicing fee
will be imposed
Single payment loans will have a $10 service fee
Appropriate filing fees and title issuance fees will be imposed if the
Credit Union is taking a security interest in the collateral
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