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LOAN RATES

Loan Rates

Effective May 1, 2013

Equal Housing Lender First Mortgage
(Credit Union Only)
Term: 120 Months
APR: 5.25%

Term: Second Mortgage
(Credit Union Only)
120 Months
APR: 5.25%

Certificate Secured
Term: 60 Months
APR: 2% over Certificate Rate

Helping Hands
($20 Application Fee, $500 Limit)
Term: 3 Months
APR: 18.00%

Christmas
($1,000 Limit, Oct. - Dec.)
Term: 12 Months
APR: As low as 8.90%

Vacation
($1,200 Limit, June - Aug.)
Term: 12 Months
APR:  As Low As 8.90%

New Auto (100% of Retail)
Term: Up to 84 Months
APR: As low as 1.95%

New Auto (90% of Retail)
Term: Up to 84 Months
APR: As low as 1.45%

Semi-New Auto
(90% of Retail, 501 - 15,000 Miles)
Term: Up to 84 Months
APR: As low as 1.95%

Used Auto
(90% of NADA Retail)
Term: Up to 84 Months
APR: As low as 2.45%

Refinance Auto
(100% Payoff, Up to 125% NADA Value)
Term: Up to 84 Months
APR: As low as 2.45%

New Motorcycle
(100% of Retail)
Term: Up to 84 Months
APR: As low as 1.95%

Used Motorcycle
(90% of Retail)
Term: Up to 84 Months
APR: As low as 2.45%

New Boats
(90% of Retail)
Term: Up to 84 Months
APR: As low as 1.95%

Used Boats
(90% of High NADA Retail)
Term: Up to 84 Months
APR: As low as 2.45%

New Non-Motorized RV
(90% of Retail)
Term: Up to 84 Months
APR: As low as 1.95%

Used Non-Motorized RV
(90% of NADA Retail)
Term: Up to 84 Months
APR: As low as 2.45%

New Motor Home
(90% of Retail)
Term based on Value - Up to 120 Months
APR: As low as 1.95%

Used Motor Home
(90% of NADA Retail
Term based on Value - Up to 120 Months
APR: As low as 2.45%

Other Secured New Merchandise
(90% of Retail)
Term: Up to 84 Months
APR: As low as 1.95%

Other Secured Used Merchandise
(90% of Retail)
Term: Up to 84 Months
APR: As low as 2.45%

New Computers
(100% of Retail)
Term: Up to 24 Months
APR: As low as 1.95%

Share Secured
Term: Up to 60 Months
APR: 2.20%

Personal
Term: Up to 36 Months
APR: 8.90%

Line of Credit
Term: Up to 60 Months
APR: 8.90%

Debt Consolidation
($26,000 Maximum)
Term: Up to 60 Months
APR: 8.90%

VISA Credit Card - Fixed Rate
3% of owed balance
APR: 9.90%

VISA Credit Card - Promotion
3% of owed balance
APR: 5.55%

This rate sheet is for informational purposes only and is not intended to be a contract or agreement. Other terms and agreements may apply. Rates are subject to change. Contact credit union for current rates, account agreements and disclosures.

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