Home Equity Rates (First Lien)
| Length | Minimum | APR* |
|---|---|---|
| 36 Months | $5,000.00 | As low as 4.50% |
| 60 Months | $7,000.00 | As low as 4.75% |
| 84 Months | $10,000.00 | As low as 5.00% |
| 120 Months | $10,000.00 | As low as 5.25% |
| 144 Months | $10,000.00 | As low as 5.75% |
| 180 Months | $20,000.00 | As low as 6.00% |
Rates effective 4 -1- 2023
First Lien Home Equity Rates - 100% to 75% LTV.
No Closing Fee if the loan is held for two years.
Excludes out-of-state loans.
Home Equity Rates (Second Lien)
| Length | Minimum | APR* |
|---|---|---|
| 36 Months | $5,000.00 | As low as 5.00% |
| 60 Months | $7,000.00 | As low as 5.50% |
| 84 Months | $10,000.00 | As low as 6.00% |
| 120 Months | $10,000.00 | As low as 6.50% |
| 144 Months | $10,000.00 | As low as 7.25% |
| 180 Months | $20,000.00 | As low as 7.75% |
Rates effective 4 -1- 2023
Second Lien Home Equity Loans -95% to 70% LTV.
No Closing Fee if loan is held for two years.
Excludes out of state loans.
Personal Advances
| Amount | Length (up to 5 years) | APR* |
|---|---|---|
| $250.00 to $1,200.00 | 12 Months | As low as 10.50% |
| $1,201.00 to $$2,400.00 | 24 Months | As low as 10.50% |
| $1,201.00 to $$2,400.00 | 24 Months | As low as 10.50% |
| $2,401.00 to $4,000.00 | 36 Months | As low as 10.50% |
| $4,001.00 to $6,000.00 | 48 Months | As low as 10.75% |
| $6,001.00 to $12,000.00 | 60 Months | As low as 10.75% |
New Vehicles and Motorcycles
Title loans cannot be refinanced or have a Reconstructed/ Salvaged Title.
| Length | APR* |
|---|---|
| Up to 36 Months | As low as 4.25% |
| Up to 48 Months | As low as 4.50% |
| Up to 60 Months | As low as 4.75% |
| Up to 72 Months | As low as 5.00% |
| Up to 84 Months | As low as 5.50% |
Rates effective 10 -15- 2024
100-80% LTV on Cars, Vans, Trucks, and Motorcycles.
"Never been Titled".
- up to 120 days to refinance to receive "New" rate.
Used Vehicles and Motorcycles (2024-2022)
Title loans cannot be refinanced or have a Reconstructed/ Salvaged Title.
| Length | APR* |
|---|---|
| Up to 36 Months | As low as 4.75% |
| Up to 48 Months | As low as 5.00% |
| Up to 60 Months | As low as 5.75% |
| Up to 72 Months | As low as 6.25% |
| Up to 84 Months | As low as 7.00% |
Rates effective 10 -15- 2024
NADA Value.
"Previously owned".
100 - 80% LTV.
Older Used Vehicles and Motorcycles (2021- 2018 - New)
| Length | APR* |
|---|---|
| Up to 36 Months | As low as 5.75% |
| Up to 48 Months | As low as 6.00% |
| Up to 60 Months | As low as 6.25% |
| Up to 72 Months | As low as 7.00% |
7 Years & Older Vehicles (2019 & older - New)
| Length | APR* |
|---|---|
| Up to 36 Months | As low as 6.00% |
| Up to 48 Months | As low as 7.00% |
| Up to 60 Months | As low as 7.75% |
Rates effective 10 -15- 2024
7 Years & Older (100-80% LTV)
Boats
Title loans cannot be refinanced or have a Reconstructed/Salvaged Title.
| Type | Length | APR* |
|---|---|---|
| New Boats (100-80% LTV) | up to 7 years | As low as 6.75% |
| Used Boats (100-80% LTV) | up to 5 years | As low as 7.00% |
Rates effective 4 -1- 2023
Recreational Vehicles
Title loans cannot be refinanced or have a Reconstructed/Salvaged Title.
| Type | Length | APR* |
|---|---|---|
| New RVs (100-80% LTV) | up to 7 years | As low as 7.25% |
| Used RVs (100-80% LTV) | up to 5 years | As low as 7.50% |
Rates effective 4 -1- 2023
Mobile Homes (RV's).
One-Year Special Loan
| Limit | APR* |
|---|---|
| $2,000 Limit/No Refinancing | As low as 6.75% |
Two-Year Special Loan
| Limit | APR* |
|---|---|
| $4,000/No Refinancing | As low as 5.50% |
FIRE Loan
Auto Pay - 16.99%
Manual Pay - 18.99% up to $1,000
Maximum term is six months
No refinancing
Cannot exceed three loans in a 12-month period
$20 non-refundable application fee
$30 must remain in shares until the loan is paid off
FIRE Loan 2
Auto Pay - 20.99%
Manual Pay - 22.99% up to $2,000
Maximum term is 12 months
No refinancing
Cannot exceed three loans in a 12-month period
$20 non-refundable application fee
$30 must remain in shares until the loan is paid off
Share Secured 100%
| Length | APR* |
|---|---|
| 1-3 years | 1.25% |
| 4-5 years | 1.50% |
| 6-7 years | 1.75% |
Minimum $1,000 (NEW MONEY) Refinancing
Visa Rates
Platinum Visa with APR* as low as 7.99% with limits up to $20,000.
Rates & limits are subject to an evaluation of each applicant's credit.
Approvals are based on our underwriting standards. Other restrictions may apply, contact Karen Kleer for more details.
Visa Promotions
0.0%* for NEW cardholders for six months
3.99%* balance transfers on existing cardholders for 12 months.
Loan Rates
Loan Rates & Terms are Disclosed based on your creditworthiness.
All Loan Rates are subject to change with every board of directors meeting. Call the office to get the most up-to-date rates & terms.
All loans are subject to the cross-collateral clause appearing on your loanliner note and disclosure.
The Credit Union has the right to apply your shares from any accounts that you are on for delinquent loan payments.