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Current Rates

Loan Rates

New Autos**
Effective Date: Friday, February 23rd, 2018
100% financing available
TermAPR*
Up to 3 Years As low as 2.95%
4 Years As low as 2.95%
5 Years As low as 3.95%
6 Years As low as 4.95%
7 Years As low as 5.45%
*The ANNUAL PERCENTAGE RATE (APR) you receive for the above subaccounts will be within the range disclosed above and is based on certain credit-worthiness criteria. Rates are subject to change without notice. Please ask the Credit Union for the rate you qualify for.
**.25% rate reduction if loan is set up on Payroll Deduction, Transfer File or Automatic Payments at the time of loan closing.

Pre-Owned Autos**
Effective Date: Friday, February 23rd, 2018
Autos up to 5 years old
TermAPR*
Up to 3 Years As low as 3.95%
4 Years As low as 4.95%
5 Years As low as 5.45%
6 Years As low as 5.95%
*The ANNUAL PERCENTAGE RATE (APR) you receive for the above subaccounts will be within the range disclosed above and is based on certain credit-worthiness criteria. Rates subject to change without notice. Please ask the Credit Union for the rate you qualify for.
**.25% rate reduction if loan is set up on Payroll Deduction, Transfer File or Automatic Payments at the time of loan closing.

Personal Loans**
Effective Date: Friday, February 23rd, 2018
Up to $25,000
TermAPR*
Up to 3 Years As low as 4.50%
4 Years As low as 5.50%
5 Years As low as 6.25%
*The ANNUAL PERCENTAGE RATE (APR) you receive for the above subaccounts will be within the range disclosed above and is based on certain credit-worthiness criteria. Rates subject to change without notice. Please ask the Credit Union for the rate you qualify for.
**.25% rate reduction if loan is set up on Payroll Deduction, Transfer File or Automatic Payments at the time of loan closing.

Secured Loans
Effective Date: Friday, February 23rd, 2018
Types of Secured Loans
Loans Secured by Shares
The Annual Percentage Rate (APR) will be the dividend rate being paid on Regular Shares (index) on the date of the advance plus a margin of 2%. Thereafter, the rates are subject to change on the first day of each month to reflect any change in the index.
Loans Secured by Term Share Accounts (Certificates)
The Annual Percentage Rate (APR) will be the dividend rate being paid on the Share Certificate offered as security plus 2%.

Overdraft Protection
Effective Date: Friday, February 23rd, 2018
NameAPR*
Overdraft Protection As low as 10.00%

Home Equity Loan
Effective Date: Friday, February 23rd, 2018
Please call us for current rates.

VISA Credit Cards

Classic
Annual Percentage Rate (APR) for Purchases 15.00%
Other APRs Cash Advance APR  15.0%
Balance Transfer APR  15.0%
Grace Period for Purchases 25 Days
Method of Computing the Balance for Purchases Average Daily Balance (including new purchases)
Annual Fee None
Minimum Finance Charge None
Transaction Fee for Purchases None
Foreign Transaction Fee 1% of transaction amount
Late Payment Fee $15.00*
*If ten (10) or more days late


 

Gold
Annual Percentage Rate (APR) for Purchases 9.50%
Other APRs Cash Advance APR  9.50%
Balance Transfer APR  9.50%
Grace Period for Purchases 25 Days
Method of Computing the Balance for Purchases Average Daily Balance (including new purchases)
Annual Fee None
Minimum Finance Charge None
Transaction Fee for Purchases None
Foreign Transaction Fee 1% of transaction amount
Late Payment Fee $15.00*
*If ten (10) or more days late

APR = Annual Percentage Rate. Rates are subject to change without notice.