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Other Loan RatesApply for a loan

Effective April 1, 2014 - April 30, 2014
Rates published include the maximum 1% discount allowed on loans.
**Rates are subject to change, special promotional rates do not apply to loans already financed at the Credit Union.**
Loan Types
Terms Daily Periodic Rate Annual Percentage Rate

Secured Loans: Auto Title Loans/Boats/ RVs/ Travel Trailers
Up to 48 Months
0.014356%–0.042438%
5.24%–15.49%
49 to 72 Months
0.015041%–0.043123%
5.49%–15.74 %
Other Secured Loans: Motorcycles /Offroad Vehicles/ Jet Skis / NEW Horse or Stock Travel Trailers
Up to 48 Months
0.019836%–0.028055%
7.24%–10.24%
Unimproved Property
Up to 10 Years
0.019863%–0.023288%
7.25%–8.50%
Home Improvement
Up to 10 Years
0.015041%–0.024630%
5.49%–8.99%
15 Years $25,000 min 0.015726%–0.025315% 5.74%–9.24%
Signature / Line Of Credit / Overdraft
LOC and Overdraft protection will be disbursed in increments of $100.00. Payments on Signature loans will be set at $35 per $1,000 borrowed.
Varies
0.026000%–0.049315%
9.49%–18.00%
Stock Secured
Up to 24 Months
0.024658%
9.00%
Share Secured
Up to 60 Months
0.010959%
4.00%
Certificate Secured
Terms Maximum loan advance is 90% of available certificate. Maximum term cannot exceed maturity date plus 1 day 2.50% over earned rate. For certificates with 48 months or more left on its term, maximum loan advance is 75% of available certificate value.

Annual Percentage Rate (APR)
The APR you receive for the subaccounts (except Share Secured, Stock Secured, and Certificate Secured) will be within the range disclosed above and is based on your credit worthiness. Ask the credit union for the rate you qualify to receive.

Preferred Promotion Discounts*
Auto loans, regardless of score will qualify for a rate reduction. The following are ways a member may receive this discount:
  • Direct deposit and auto transfer of payment will receive a .25% discount
  • 10% down will receive a .25% discount
  • 20% down will receive a .50% discount
  • Purchase of Gap and Warranty will receive a .25% discount (both required for discount)
  • 5 years or more membership and account in good standing will receive a .15% discount
  • Active checking account in good standing will receive a .10% discount
  • Your minimum payment will never be less than $25.00 per month
  • Payment protection on loan credit life and/or single credit disability .25% discount
  • Maximum discount for any one applicant is 1%

*Discount does not apply to any special promotional rates.

Late Charge
You will pay 20% of the interest due if payment is more than 10 days late.
Minimum $0.05 - $100.00 maximum.

Collection Costs
You promise to pay all costs of collecting the amount you owe under this agreement including court costs and reasonable attorney fees.

Certificate Secured
The APR will be the dividend rate being paid on the Shared Certificate of Deposit as security (index) plus 2.5% (margin). The approximate term of the advance may not exceed the term of the certificate offered as security for a certificate secured loan. The APR and daily periodic rate will be disclosed on the Closed-End Note at the time of the advance