Rates









Risk-Based Lending Rates  |   VISA Credit Card  | Share Dividend Rates 

Risk-Based Lending Rates (Effective 8/22/2019)

Score

Share
Secured

Secured I - Purchase of
2016 or Newer........New & Used Vehicles  
 Motorcycles 

Secured II - Purchase of
2016 or Newer ........Campers, Boats

 

72 Mos.
*APR

36 Mos.
*APR

48 Mos.
*APR

60 Mos.
*APR

72 Mos.
  *APR   

36/48 Mos.
*APR

60/72 Mos.
*APR

A+
A  
B  
C  
D  
E  

1.50%
1.50%
1.50%
1.50%
1.50%
1.50%

2.50%
2.50%
3.50%
5.00%
7.25%
8.00%

2.50%
2.50%
3.50%
5.00%
7.25%
10.00%

2.75%
2.75%
4.00%
6.00%
7.50%
10.25%

2.75%
2.75%
4.75%
6.50%
7.75%

3.00%
3.00%
3.75%
5.25%
N/A
N/A

3.25%
3.25%
4.25%
6.25%
N/A
N/A

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Score

Motorhomes, Park Models

5th Wheel Campers

Unsecured

 

New
120 Mos ./ 180 Mos.
*APR

Used
84 Mos.
*APR

36 Mos.
*APR

48 Mos.
*APR

60 Mos.
*APR

A+
A  
B  
C  
D  
E  

4.25% / 4.50%
4.25% / 4.50%
5.50% / 5.75%
N/A
N/A
N/A

4.75%
4.75%
6.00%
N/A
N/A
N/A

4.50%
4.50%
5.25%
7.25%
9.25%
13.25%

4.75%
4.75%
5.50%
 8.25%
10.25%
N/A

5.00%
5.00%
6.25%
N/A
N/A
N/A

 

Secured III - ATVs, Snowmobiles, Tractors (N/U), Misc. Equipment    

                   36 months      48/60  months      72 months 

A+, A             3.25%               3.75%                   4.25%

B                    4.25%               4.50%                   4.75%

C                    6.25%               7.25%                   8.00%

*APR = Annual Percentage Rate

  • All rates indicate Annual Percentage Rate
  • Sales tax, maintenance agreements, extended warranties and miscellaneous charges can be included for A+, A and B borrowers for Secured I & Secured II categoies
  • Servicemembers Civil Relief Act:  Servicemembers may be eligible for a 6% annual percentage rate while on active duty
  • Contact the Credit Union for rate match or longer terms

 

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No annual or cash advance fees!

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VISA Classic Credit Card

Score

Annual Percentage Rate

A+, A, B

7.99%

C  

11.99%

D, E  

15.99%

 

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 Collateral Loans (not purchase) - secured by - 2010 or newer

Used Vehicles - Secured I - Purchase Loans for Models 2015 and older

Score                                                                               

 

 

 

 

Term 

 

 

 

Annual Percentage Rate

 A+, A

 36 months

3.75% 

 A+. A

 48-60 months

4.25%

 B    36 months   4.25% APR   48-60 months 5.00% APR

 C    36 months   6.25% APR   48-60 months 7.25% APR

 D  36 months   7.75% APR   48-60 months 8.25% APR

  E 36 months 8.25% APR           

 

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Share Dividend Rates  (Posted 10/01/2019)

Account

Tier

Dividend Rate 

Annual Percentage Yield

Share and Club Accounts

$0.00 - $299.99

none

none

$300.00 - $2499.99

   .05%

.05%

$2500.00+

  .05%

.05%

IRA Shares

N/A

 .50%

.50%

Notes:

  • The above tier rates reflect dividends posted October 1, 2019 on deposits at the Credit Union for the period  July 1, 2019 - September 30, 2019 using the average daily balance method for share balanerces of $300.00 or more.

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