Loan Rates

Rates Effective January 1, 2010

Note about risk-based lending:
 Loan rates shown below are based on a credit bureau score of "A". Rates may be higher with credit bureau scores of "B - D".

New and Used Vehicles Loans
Model Years Maximum Loan Term APR
2007 - 20010 Up to 72-month pay back 6.00%
2002 - 2006 Up to 60-month pay back 7.00%
2001 & Older Up to 48-month pay back 8.00%


Computer Equipment Loans

Requires Proof of Purchase
Loan Amount Maximum Loan Term APR
Up to $1,500 Up to 24-month pay back 7.90%


Personal Loans
Maximum Loan Term APR
Up to 36 Months 10.90%


Variable Rate Home Equity Line of Credit
Loan to Value APR
Up to 80% Prime plus 1.00%
81% - 90% Prime plus 2.00%

Additional Terms
The variable Annual Percentage Rate (APR) that will apply to your account is determined by adding a margin to the prevailing prime rate as disclosed by the Wall street Journal.

Your APR can be adjusted every three (3) months on January 1, April 1, July 1, and October 1 of each year. The rate will not increase or decrease more than two percent (2.00%) per year. The maximum APR that can apply is eighteen percent (18.00%), and the minimum rate cannot decrease below six percent (6.00%).

Other terms and conditions apply. Please Contact the Credit Union for details.