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Loan Rates Show Share Certificate Rates Show Fees


Effective February 8, 2010 unless otherwise noted

All rates are annual percentage rates (APRs) and are subject to change without notice.

SCORE-BASED PRICING:   Unless otherwise noted, the rates displayed here are the base rate.  An applicant's credit score at the time of application will determine the rate offered.  Call the office to see if you qualify for a DISCOUNT on the base rate!!!


For applications submitted with a co-applicant or guarantor, the rate offered will be determined by the higher score.

 In cases where the applicant has no score, we may, at our discretion, require a guarantor may OR we may price the loan at the highest rate for that loan type.
 
Auto Loans
NEW: 2008 & 2009, to 60 months

 4.30%
NEW: 2008 & 2009, 61-72 months

 4.90%
NEW: 2008 & 2009, 73-84 months

5.25%

  USED I: 2007 & 2008, to 60 months

5.20%
      USED Ia:  2007 & 2008, to 72 months 5.60%
  USED II: 2005 & 2006, to 60 months

5.60%
  USED III: 2004& older, to 60 months 5.75%
REALLY USED
<$5,000 to 36 months
(no insurance collision required)

8.50%

 

Real Estate
First Mortgage - up to 80% of purchase price; up to 7 years, 10% down w/ PMI. Adjustable and fixed rates. Call for rate
Community Builder – up to $50,000 for up to 7 years, 10% down w/ PMI; fixed rate

6.00%
Community Builder – up to $50,000 for up to 7 years, 10% down w/ PMI; adjustable rate: index + 4.00%

Daily%
Home Equity – up to $50,000 for up to 7 years, 80% total Loan to Value; fixed rate
 6.50%
Home Equity – up to $50,000 for up to 7 years, 80% total Loan to Value; adjustable rate: index + 4.25%

Daily%

Risk-based pricing does not apply to Real Estate loans – variable rate (Daily %) set on day credit union receives a complete application with documentation and application fee
Personal Loans
 
Up to 24 months
  

8.50%
25 to 48 months
  

9.25%
49 to 60 months
  

9.75%

 

Overdraft Line of Credit

Overdraft
($1 to $1499.99)
  

12.90%
Line of credit
($1500 to $5000)
(EFFECTIVE 03/01/10)
  

8.25%
Variable rate: subject to change;
risk-based pricing does not apply to Overdraft and Lines of Credit

 

Share Secured Loans - Borrower's Funds:

5% above securing account;  term of loan must match term of deposit.

Share Secured Loans - Third Party Funds:

6% above securing account;  term of loan must match term of deposit.

Credit Builder

Income limits apply (max $1,000.00):  

11.90%

 

 

Go to the Loan Application

*  18.00% is the maximum APR permissible under NCUA regulations

= = = We are an Equal Opportunity Lender. = = =

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