Risk-Based Lending Rates  |  Line of Credit Rate  | VISA Credit Card  |  Student Loan Rates  |  Share Dividend Rates  Risk-Based Lending Rates (effective 04/15/08) Score Share Secured Secured I New/Used Vehicles Boats, Campers, Motorcycles Secured II Dirt Bikes, ATVs &  Snowmobiles    72 Mos. *APR 36 Mos. *APR 48 Mos. *APR 60 Mos. *APR 72 Mos. (New only) *APR 36 Mos. *APR 37-60 Mos. *APR A+ A   B   C   D   E   3.50% 3.50% 3.50% 3.50% 3.50% 3.50% 4.75% 5.25% 6.25% 7.50% 9.75% 11.00% 5.00% 5.50% 6.50% 7.75% 10.00% 11.25% 5.25% 5.75% 6.75% 8.25% 10.50% 12.00% 5.50% 6.00% 7.00% 8.50% 11.25% N/A 7.00% 7.50% 8.50% 10.00% 11.25% N/A 7.50% 8.00% 9.00% 10.50% N/A N/A Back to Top Score Motorhomes 5th Wheels/Campers Unsecured   New 18 Mos. *APR Used 84 Mos. *APR 36 Mos. *APR 48 Mos. *APR 60 Mos. *APR A+ A   B   C   D   E   6.75% 7.75% 8.75% 10.75% 12.00% N/A 7.00% 8.00% 9.00% 11.00% 13.00% N/A 8.00% 8.00% 9.00% 11.00% 14.00% 16.00% 8.25% 8.25% 9.25% 11.25% 14.50% N/A 8.50% 8.50% 9.50% 11.50% 15.00% N/A Notes: *APR = Annual Percentage Rate Rates effective as of 04/15/08 All rates indicate Annual Percentage Rate Sales tax can be included for A+, A and B borrowers for Secured I category  Soldiers' & Sailors' Civil Relief Act:  Service men/women may be eligible for a 6% annual percentage rate while on active duty   Back to Top Line of Credit Line of Credit Annual Percentage Rate Line of Credit 10.50% Fixed Back to Top VISA Classic Credit Card Penalty rate - 17.99% when two (2) late payments are received in a six (6) month period Score Annual Percentage Rate A+, A, B 7.99% C   11.99% D, E   15.99% Back to Top Student Loan Rates             Federal Consolidation Loans  Weighted average of the interest rates on the loans consolidated, rounded up to the nearest 1/8th of one percent.   Loans Disbursed between 07/01/08 and 06/30/09 Annual Percentage Rate  Annual Percentage Rate Cap Federal Subsidized Stafford Loans:  Undergraduate 6.00% fixed N/A Federal Subsidized Stafford Loans:  Graduate 6.80 fixed N/A Federal Parent Plus/Grad Plus Loans: 8.50% fixed N/A Back to Top Share Dividend Rates  (Posted 07/01/08) Account Tier Dividend Rate  Annual Percentage Yield Share and Club Accounts $0.00 - $299.99 none none $300.00 - $2499.99    .75% .75% $2500.00+ 1.00% 1.00% IRA Shares N/A 2.50% 2.52% Notes: The above tier rates reflect dividends posted 07/01/08 for funds on deposit at the Credit Union for the period 04/01/08 - 06/30/08 using average daily balance method for share balances of $300.00 or more. Back to Top