Loan Rates

Effective Date: 01/09/2019

Cars, Trucks, Motorcycles APR* As Low As Terms
New and Used 3.99% Fixed 60 Months
New and Used 4.24% Fixed 72 Months, $15,000 Min
New and Used 5.24% Fixed 84 Months, $30,000 Min

Payment Examples: If you qualified for a 60 month term at 3.74% APR you would have 60 monthly payments of $18.31 per $1,000.00 borrowed.

Recreational Vehicles APR* As Low As Terms
New and Used 5.49% Fixed 60 Months
New and Used 5.49% Fixed 72 Months, $10,000 Min
New and Used 5.74% Fixed 84 Months, $15,000 Min
New and Used 6.24% Fixed 120 Months, $20,000 Min
New and Used 6.49% Fixed 180 Months, $30,000 Min

Payment Examples: If you qualified for a 60 month term at 4.99% APR you would have 60 monthly payments of $18.87 per $1,000 borrowed.

Share Pledged APR* As Low As Terms
Share Pledged 3.24% Fixed Up To 60 Months

Payment Examples: If you qualified for a 60 month term at 3.24% APR you would have 60 monthly payments of $18.08 per $1,000.00 borrowed.

VISA Credit Card APR* As Low As Terms
Credit Card 9.90% Line of Credit

Credit Line Account APR* As Low As Terms
Credit Card 13.90% Line of Credit

Personal Loan APR* As Low As Terms
Unsecured 9.99% Fixed 60 Months

Payment Examples: If you qualified for a 60 month term at 9.99% APR you would have 60 monthly payments of $21.25 per $1,000.00 borrowed.

First Mortgage APR* As Low As Terms
5 Year Conventional First Mortgage** 3.490% Fixed 60 Months, 80% Max LTV
10 Year Conventional First Mortgage** 3.875% Fixed 120 Months, 80% Max LTV
10/20 Balloon** 4.000% Fixed 10 Year Fixed, 20 Year Amortization 80% Max LTV
10/30 Balloon** 4.125% Fixed 10 Year Fixed, 30 Year Amortization 80% Max LTV

     Owner Occupied Only, Refinance Only. Minimum Loan Amount $25,000.00, Maximum Loan Amount $350,000.00.

Payment Examples:

     If you qualified for a 120 month term at 5.00% APR you would have 120 monthly payments of $10.61 per $1,000 borrowed.

     10/20 Balloon for a $100,000 loan your payments would be 608.12 per month for 120 months followed by a 60,666.02 balloon payment.

  

Second Mortgage APR* As Low As Terms
Second Mortgage** 4.750% Fixed 60 Months, 85% Max CLTV
Second Mortgage** 5.000% Fixed 120 Months, 85% Max CLTV

     Owner Occupied. Minimum Loan Amount $25,000.00, Maximum Loan Amount $100,000.00.

Payment Example: If you qualified for a 60 month term at 4.75% APR you would have 60 monthly payments of $18.76 per $1,000 borrowed.

Home Equity Loan APR* As Low As Terms
2 Year Draw, 8 Year Payback** 5.250% Fixed Line of Credit, 85% Max CLTV

      Owner Occupied. Minimum Loan Amount $25,000.00, Maximum Loan Amount $100,000.00.

Payment Example: If your line of credit balance is 1,000 your payment during the draw would be $12.50 per $1,000 borrowed for 2 years, and then a fixed payment of $12.79 per $1,000 borrowed for 8 years.

*APR: Annual Percentage Rate; all rates are minimum rate; rates may differ depending on credit rating; all rates subject to change without notice.
**500.00 Loan Origination Fee, Closing Costs, Appraisal Fee if needed - Call for Details
 
All Loans On Approved Credit (O.A.C.).
 
LTV: Loan-to-Value.
 
CLTV: Combined Loan-to-Value.

Deposits federally insured to at least $250,000 by the National Credit Union Administration, a U.S. Government Agency, and backed by the full faith and credit of the U.S. Government.