Loan Rates

Rates are current as of 3/24/2009. Rates are subject to change.

New Autos

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Finance Amount
Rates Range
80%
36 months or less
4.5% to 10%
37 to 48 months
4.5% to 10.5%
49 to 60 months
4.5% to 11%
61 to 72 months
4.5% to 11.5%
More than 80%
36 months or less
5.5% to 10.5%
37 to 48 months
5.5% to 11%
49 to 60 months
5.5% to 11.5%
61 to 72 months
5.5% to 12%


Used Autos
Finance Amount
Rates Range
Maximum amount equal to the NADA retail value
36 months or less
5.5% to 11%
37 to 48 months
6% to 11.5%
49 or more
6.5% to 12%


New Recreational Vehicles/Motorcycles
Finance Amount
Rates Range
80%
36 months or less
5.5% to 11%
37 to 48 months
6% to 11.5%
49 to 60 months
6.5% to 12%
61 to 84 months
7% to 12.5%
85 to 120 months**
7.5% to 8.5%
More than 80%
36 months or less
6% to 7%
37 to 48 months
6.5% to 7.5%
49 to 60 months
7% to 8%
61 to 84 months
7.5% to 8.5%
85 to 120 months**
8% to 9%

**VALUE MUST BE $50,000 OR MORE

Used Recreational Vehicles/Motorcycles
Finance Amount
Rates Range
Maximum amount equal to the NADA retail value
36 months or less*
6.5% to 12%
37 to 48 months*
7% to 12.5%
49 to 60 months*
7.5% to 13%
61 to 72 months*
7.5% to 14%
73 to 96 months*
7.5% to 8.5%

*SOME LOANS WILL REQUIRE 20% DOWNPAYMENT

Share Secured Rates
Loan Type
Rate
12 months or less
3.9%
13 months or more
2% over share rate (variable)


CD Secured Loan
Loan Type
Rate
Certificate rate
+2%


M&M Lien Home Improvement Loans
Loan Type
Rate
60 months or less
6.25%
61 to 120 months
7.25%
Over 120 months
7.75%


FHA Home Improvement Loan
Loan Type
Rate
60 months
7.25%


Home Equity (Closed End)
Loan Type
Rate
60 months or less
5.25%
61 to 120 months
6.25%
Over 120 months
7.25%


HELOCS (Home Equity Line of Credit)
Loan Type
Rate
HELOCS
Variable Rate - .25% above prime; Adjusted Yearly


Signature Loans
Loan Type
Rate
Signature Loans
9.9% - 17%

*APR = Annual Percentage Rate

Rates subject to change without notice. For latest rates please contact a credit union representative.

Your Actual APR (Annual Percentage Rate) will be based upon your individual credit worthiness, loan amount, term of loan and applicable prepaid items.

HELOC Loans have a $10,000.00 minimum. Visa requires annual use of card or a fee may be imposed.


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