Loan Rates 

Effective: June 1, 2019


New Auto/RV/Boat Loans

Loan Amount Terms Up To APR* As Low As Monthly Payments Per $1,000 Borrowed
$1,000 – 100,000 48 2.95% $22.11
$5,000 – 100,000 60 2.95% $17.95
$15,000 – 100,000 72 2.95% $15.17
$25,000 – 100,000 84 3.95% $13.65
$25,000 – 100,000 (RV only) 120 5.10% $10.66
$35,000 – 100,000 (RV only) 180 6.20% $8.55

Used Auto/RV/Boat Loans

Loan Amount Terms Up To APR* As Low As Monthly Payments Per $1,000 Borrowed
$1,000–100,000 48 3.20% $22.22
$5,000–100,000 60 3.60% $18.24
$15,000–100,000 72 3.80% $15.55
$25,000–100,000 84 4.95% $14.11
$25,000–100,000 (RV only) 120 5.80% $11.00
$35,000–100,000 (RV only) 180 6.80% $8.88

Share Secured Loans

Terms Up To (Months) Description APR* Monthly Payment Per $1,000 Borrowed
12 90% of Regular Shares; Lump sum PMT up to 12 months 3.50% $84.92
60 100% of Regular Shares 4.00% $18.42
60 100% of Share Certificate; Loan & Share term must match 3% over Share Certificate rate
60 100% of Money Market 4.20% $18.51
120 Regular Shares; $200-$1,800 5.50% $10.85

Unsecured

Terms Up To (Months) Description APR* Monthly Payment Per $1,000 Borrowed
24 CLOSED END - $500 - $5,000 9.90% $46.10
48 CLOSED END - $1,000 - $15,000 10.90% $25.80
24 Energy Efficient Loans - $500 - $2,000 7.50% $45.00
48 Energy Efficient Loans - $2,001 - $5,000 7.50% $24.18
120 Energy Efficient Loans - $5,001 - $35,000 7.50% $11.87

Home Equity

Terms Up To (Months) Description APR*
180-360 $5,000 - $600,000 6.50%

Variable Rate: 3% over the current 11th OTS District cost of funds rounded up to nearest .25%; Minimum 6.5%; Rate adjusts July 1st; Rate caps at 5% over first initial interest rate; Fee: $300.00 to $690.00

*APR: Rates subject to change without notice

*APR AS LOW AS: Actual rate varies with the amount financed, terms and individual credit approval, lowest rate includes a .50% discount for automatic payments


VISA® Classic

Service Annual Percentage Rate Annual Fee Grace Period Finance Method
Late Fee, Cash Advance Fee, and Foreign Transaction Fee 12.90% None 25 Days Average Daily Balance (Including new purchases)

Late Charge: 3% of payment or $5.00 whichever is greater.
Foreign Transaction Fee: 1% of amount charged.
Cash Advance Charge: 1.5% of cash advance.
Click here to go to VISA® Account Agreement and Disclosure.


1st Trust Deeds (Real Estate Mortgage)

Call Credit Union for current rates or click here to go to Mortgage Loan Center.


Student Loans

Click here to go to Student Loan Information.