Loan Rates                                            Rates effective as of 7/01/09

Auto, Truck & Motorcycle
(includes classic cars)

 

 

Term

Annual Percentage Rate

Notes:

01 - 36 mo. as low as
37 - 60 mo. as low as
61 - 72 mo. as low as
73 - 84 mo. as low as
5.74%
6.24%
6.74%
7.24%

 

Untitled Collateral
(ATV, Jetski, snowmobile)

 

 

Term

Annual Percentage Rate

Notes:

01 - 36 mo. as low as
37 - 60 mo. as low as

9.35%
10.40%

 

New Boats / RVs
(2009 and newer)

 

 

Term

Annual Percentage Rate

Notes:

01 - 84 mo. as low as
85 - 180 mo. as low as

8.10%
8.35%

 

Used Boats / RVs
(2008 and older)

 

 

Term

Annual Percentage Rate

Notes:

01 - 72 mo. as low as
73 - 120 mo. as low as

9.05%
10.30%

 

Mortgage Rates

 

 


Click to check Current Rates

 

 

Home Equity, 1st position

 

 

Term

Annual Percentage Rate

Notes:

01 - 60 mo. as low as
61 - 120 mo. as low as
121 - 180 mo. as low as
181 - 240 mo. as low as

5.44%
5.84%
6.24%
6.64%



Home Equity, 2nd position

 

 

Term

Annual Percentage Rate

Notes:

01 - 60 mo. as low as
61 - 120 mo. as low as
121 - 180 mo. as low as
181 - 240 mo. as low as

6.44%
6.84%
7.24%
7.64%

 

Home Equity Line of Credit

(draw on balance  as  needed
with  your HELOC checkbook)

 

Term

Annual Percentage Rate

Notes:

5 year draw, then 15 year repayment,
as low as


4.000%

Loan to value - 80%
max. of $75,000

Visa Platinum Credit Cards 
(Click here to see rate details)

 

 

Visa Platinum with Rewards Credit Card

Annual Percentage Rate:    9.9% - 13.9%

Notes:    Max. of $30,000

Visa Platinum without Rewards Credit Card

Annual Percentage Rate:    8.9% - 12.9%

Notes:    Max. of $30,000

Personal Loan

 

 

Term

Annual Percentage Rate

Notes:

01 - 12 mo. as low as
13 - 30 mo. as low as
31 - 48 mo. as low as
49 - 60 mo. as low as

10.99%
11.99%
12.49%
13.49%

 

Overdraft Protection

 

 

Term

Annual Percentage Rate

Notes:

Revolving

18%

 

Write Line of Credit

 

 

Term

Annual Percentage Rate

Notes:

Revolving

13.9%

 

Share Secured Loan

 

 

Term

Annual Percentage Rate

Notes:

up to 144 months

Variable

3% above dividend
paid on regular shares


 


LTV = Loan to Value

* Unsecured
Aggregate Limit Per Member - $35,000.

** Secured
Aggregate Limit Per Member (Excluding Real Estate - $100,000).
Aggregate Limit Per Member (Including Real Estate - $325,000).

*** Risk based pricing in effect.
Maximum interest rate does not exceed 18%

Copy of most recent paystub should accompany the loan application. Please note - these are maximum terms and amounts. Each loan is made on the basis of the member's individual qualifications at the time of application. Consequently, not every member can qualify for the maximum term and or lowest interest rate available. Interest is calculated on the unpaid balance of the loan after each principal payment, and accrues daily. All payments are applied first to interest, then principal.