Risk-Based Lending Rates  |  Line of Credit Rate  | VISA Credit Card  |    Share Dividend Rates  Risk-Based Lending Rates (effective 02/09/2010) Score Share Secured Secured I New/Used Vehicles Boats, Campers, Motorcycles Purchse 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   3.00% 3.00% 3.00% 3.00% 3.00% 3.00% 4.25% 4.75% 5.75% 7.50% 9.75% 11.00% 4.50% 5.00% 6.00% 7.75% 10.00% 11.25% 5.00% 5.50% 6.50% 8.25% 10.50% N/A 5.25% 5.75% 6.75% 8.50% 11.25% N/A 7.00% 7.50% 8.50% 12.00% N/A N/A 7.50% 8.00% 9.00% 14.00% N/A N/A Back to Top Score Motorhomes 5th Wheels 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 8.00% 9.00% 10.50% 14.00% N/A N/A 8.25% 9.25% 10.75% 14.25% N/A N/A 8.50% 9.75% 11.50% N/A N/A N/A Notes: *APR = Annual Percentage Rate Rates effective as of 02/09/2010 All rates indicate Annual Percentage Rate Sales tax can be included for A+ and A 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 Score Annual Percentage Rate A+, A, B 7.99% C   11.99% D, E   15.99% Back to Top             Call Credit Union for rates on Lawn/Farm/Garden Tractors & Miscellaneous Equipment   Collateral Loans - Secured by New/Used Vehicles & Motorcycles - Not Purchase Credit Score Term  Annual Percentage Rate  A+  36 months 6.50%   A  36 months  6.50% :B  36 months  6.50% Back to Top Share Dividend Rates  (Posted 07/01/09) Account Tier Dividend Rate  Annual Percentage Yield Share and Club Accounts $0.00 - $299.99 none none $300.00 - $2499.99    .45% .45% $2500.00+ .65% .65% IRA Shares N/A 2.00% 2.02% Notes: The above tier rates reflect dividends posted 01/012010 for funds on deposit at the Credit Union for the period 10/01/09 - 12/31/09 using average daily balance method for share balances of $300.00 or more. Back to Top