Risk-Based Lending Rates  |   VISA Credit Card  | Share Dividend Rates  Risk-Based Lending Rates (effective 5/15/2013) Score Share Secured Secured I - Purchase of 2008 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. *APR 2009+new 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% 2.75% 2.75% 3.50% 5.00% 8.75% 10.00% 2.75% 2.75% 3.50% 5.00% 9.00% 10.25% 3.00% 3.00% 4.00% 6.00% 9.50% N/A 3.50% 3.50% 4.75% 6.50% 10.25% N/A 5.00% 5.00% 6.00% 9.00% 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   4.50% 5.50% 6.50% N/A N/A N/A 5.00% 6.00% 7.50% N/A N/A N/A 4.25% 4.25% 5.50% 8.50% 10.50% 13.00% 4.50% 4.50% 5.75%  9.00% 11.00% N/A 4.75% 4.75% 6.00% N/A N/A N/A Notes:  New 5th Wheel Campers:  120 mos A+ 4.25% APR, A 5.25% APR, B 6.25% APR                             *APR = Annual Percentage Rate Rates effective as of 5/15/2013 All rates indicate Annual Percentage Rate Sales tax, maintenance agreements and extended warranties 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 and Motorcycles - 2006 and newer Used Vehicles - Secured I - Purchase Loans for Models 2003 - 2007  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   48-60 months 10.00% APR   E 36 months 10.50% APR               Back to Top Share Dividend Rates  (Posted 4/01/2013) Account Tier Dividend Rate  Annual Percentage Yield Share and Club Accounts $0.00 - $299.99 none none $300.00 - $2499.99    .10% .10% $2500.00+   .15% .15% IRA Shares N/A  .75% .75% Notes: The above tier rates reflect dividends posted April 1, 2013 for funds on deposit at the Credit Union for the period January 1, 2013 - March 31, 2013 using the average daily balance method for share balances of $300.00 or more. Back to Top