| Loan Accounts |
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| Unsecured Loans (Signature) |
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| VISA CARD | 9.99% APR | |
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| Signature Loans |
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| Signature | 11.0% APR | Up to 24 months |
| Signature | 11.0% APR | up to 36 months |
| Signature | 11.0% APR | up to 42 months |
| Signature | 11.0% APR | up to 48 months |
| Signature | 11.0% APR | up to 60 months |
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| Share-Secured Loans |
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| SHARED SECURED 5 year limit. Loan is secured by share account or CD at 2.00% above dividend rate. | APR | |
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| Vehicle Loans |
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| New Car/Truck | 5.75% APR | up to 36 months |
| no limit |
| New Car/Truck | 6.25% APR | 48 months |
| no limit |
| New Car/Truck | 6.25% APR | 60 months |
| no limit |
| New Car / Truck | 6.50% APR | 72 months |
| (only if vehicle is over $20,000.00) |
| Used Car / Truck, 4 years and under | 6.50%-7.50% APR | 36- 60 months |
| Up to NADA Retail Value |
| Used Car / Truck, over 5-6 years old | 7.50%-8.00% APR | 36-48 month |
| Up to NADA Retail Value |
| Used Car / Truck over 6 years old | 9.00% APR | Up to 36 months |
| 80% of Trade-in value |
| Used Car / Truck, 6 years or older | 10.00% APR | 37-48 months |
| 80% of Trade-in value |
| Classic Car / Truck( under $20,000.00) | 7.50% APR | Up to 60 months |
| NADA Retail Value |
| Classic Car / Truck( over $20,000.00) | 7.75% APR | Up to 72 months |
| NADA Retail Value |
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| Recreational Vehicle Loans |
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| 5th Wheelers - New | 10.00%-12.00% APR | 60-120 months |
| NADA Retail Value |
| 5th Wheelers - Used | 11.50%-13.50% APR | 60-120 months |
| NADA Retail Value |
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| Motorcycle Loans |
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| New Motorcycles/RVs/Boats | 7.25% APR | Up to 48 months |
| New Motorcycles/RVs/Boats | 8.25% APR | 49-60 months |
| New Motorcycles/RVs/Boats | 9.25% APR | 61-72 months |
| only if over $20,000.00 |
| Used up to 5 years old | 8.50%-9.00% APR | 36-60 months |
| NADA Retail Value |
| 6 years or older | 10.00%-11.00% APR | 36-48 months |
| 10 YRS OR OLDER - 80% OF NADA TRADE IN VALUE |
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| | 1. Signature/Line-of-Credit loan amounts and VISA Credit Card amounts, combined, cannot excedd $10000. For debt consolidation loans, checks will be made payable directly to the applicant's creditor(s). For all loans, $50 must be "frozen" for the life of the loan.
2. New vehicle loans may be financed up to 100% of retail value. For all vehicle loans, the bill of sale and proof of insurance must be presented before the loan is granted, and checks will be made payable directly to the establishment or private party from which the vehicle was purchased.On all loans, 0.50% will be deducted from the loan rate, if you have Payroll Deduction or Direct Deposit with the Credit Union. You may re-finance vehicle loans from other financial institutions, but the current loan cannot be over 6 months old. The Credit Union uses the NADA Vehicle Book and the Kelly Blue Book.
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