Risk-Based Lending Rates  |   VISA Credit Card  | Share Dividend Rates  Risk-Based Lending Rates (effective 12/15/2011) Score Share Secured Secured I - Purchase of 2007 or Newer........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   2.50% 2.50% 2.50% 2.50% 2.50% 2.50% 3.25% 3.25% 4.25% 6.50% 8.75% 10.00% 3.25% 3.25% 4.25% 6.75% 9.00% 10.25% 3.75% 3.75% 5.00% 7.00% 9.50% N/A 4.75% 5.25% 6.25% 7.25% 10.25% N/A 6.00% 6.00% 7.00% 11.00% N/A N/A 6.50% 6.50% 7.50% 12.50% N/A N/A Back to Top Score Motorhomes 5th Wheel Campers Unsecured   New 180 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% N/A N/A N/A 7.00% 8.00% 9.00% N/A N/A N/A 6.50% 6.50% 9.00% 12.00% 14.00% 14.50% 6.75% 6.75% 9.25% 12.50% N/A N/A 7.00% 7.00% 10.00% N/A N/A N/A Notes:  New 5th Wheel Campers:  120 mos A+ 6.25% APR, A 7.25% APR, B 8.25% APR                             *APR = Annual Percentage Rate Rates effective as of 12/15/2011 All rates indicate Annual Percentage Rate Sales tax can be included for A+, A and B borrowers for Secured I category  Servicemembers Civil Relief Act:  Servicemembers may be eligible for a 6% annual percentage rate while on active duty   Back to Top     No annual or cash advance fees!         APPLY TODAY!    Back to Top VISA Classic Credit Card Score Annual Percentage Rate A+, A, B 7.99% C   11.99% D, E   15.99%   Back to Top           Call the Credit Union for rates on Lawn/Farm/Garden Tractors & Miscellaneous Equipment     Collateral Loans (not purchase) - secured by New & Used Vehicles, Campers and Motorcycles - 2004 and newer   Used Vehicle Purchase Loans for Models 2006 - 2002  Score                                                                                      Term      Annual Percentage Rate  A+, A  36 months 5.00%   A+. A  48-60 months 6.00%  B    36 months   6.00% APR         48-60 months 7.00% APR  C    36 months   7.25% APR         48-60 months 7.75% APR  D  36 months   9.50%APR            N/A   E 36 months 10.50%APR            N/A    Back to Top Share Dividend Rates  (Posted 01/01/2012) Account Tier Dividend Rate  Annual Percentage Yield Share and Club Accounts $0.00 - $299.99 none none $300.00 - $2499.99    .25% .25% $2500.00+   .40% .40% IRA Shares N/A 2.00% 2.02% Notes: The above tier rates reflect dividends posted January 1, 2012 for funds on deposit at the Credit Union for the period October 1, 2011 - December 31, 2011 using the average daily balance method for share balances of $300.00 or more. Back to Top