Loan Rates Rates effective as of 7/01/09
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Auto, Truck & Motorcycle
(includes classic cars) |
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Term |
Annual Percentage Rate |
Notes: |
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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% |
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Untitled Collateral
(ATV, Jetski, snowmobile) |
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Term |
Annual Percentage Rate |
Notes: |
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01 - 36 mo. as low as
37 - 60 mo. as low as |
9.35%
10.40% |
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New Boats / RVs
(2009 and newer) |
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Term |
Annual Percentage Rate |
Notes: |
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01 - 84 mo. as low as
85 - 180 mo. as low as |
8.10%
8.35% |
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Used Boats / RVs
(2008 and older) |
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Term |
Annual Percentage Rate |
Notes: |
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01 - 72 mo. as low as
73 - 120 mo. as low as |
9.05%
10.30% |
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Mortgage Rates |
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Click to check Current Rates
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Home Equity, 1st position |
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Term |
Annual Percentage Rate |
Notes: |
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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% |
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Home Equity, 2nd position |
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Term |
Annual Percentage Rate |
Notes: |
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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% |
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Home Equity Line of Credit |
(draw on balance as needed
with your HELOC checkbook) |
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Term |
Annual Percentage Rate |
Notes: |
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5 year draw, then 15 year repayment,
as low as |
4.000%
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Loan to value - 80%
max. of $75,000 |
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Visa Platinum Credit Cards
(Click here to see rate details) |
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Visa Platinum with Rewards Credit Card |
Annual Percentage Rate: 9.9% - 13.9% |
Notes: Max. of $30,000 |
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Visa Platinum without Rewards Credit Card |
Annual Percentage Rate: 8.9% - 12.9% |
Notes: Max. of $30,000 |
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Personal Loan |
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Term |
Annual Percentage Rate |
Notes: |
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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% |
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Overdraft Protection |
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Term |
Annual Percentage Rate |
Notes: |
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Revolving |
18% |
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Write Line of Credit |
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Term |
Annual Percentage Rate |
Notes: |
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Revolving |
13.9% |
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Share Secured Loan |
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Term |
Annual Percentage Rate |
Notes: |
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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.
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