Loan Rates

Effective: APRIL 1, 2024

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
    4.95%
    $23.01
  

  $5,000 – 100,000
    60
    4.95%
    $18.85
  

  $15,000 – 100,000
    72
    4.95%
    $16.08
  

  $25,000 – 100,000
    84
    5.95%
    $14.58
  

  $25,000 – 100,000 (RV only)
    120
    7.25%
    $11.74
  

  $35,000 – 100,000 (RV only)
    180
    8.25%
    $9.70
  

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
    5.75%
    $23.37
  

  $5,000–100,000
    60
    5.75%
    $19.22
  

  $15,000–100,000
    72
    5.75%
    $16.46
  

  $25,000–100,000
    84
    6.85%
    $15.02
  

  $25,000–100,000 (RV only)
    120
    7.75%
    $12.00
  

  $35,000–100,000 (RV only)
    180
    8.75%
    $9.99
  

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
    3.25%
    $84.81
  

  60
    100% of Regular Shares
    3.75%
    $18.30
  

  60
    100% of Share Certificate; Loan & Share term must match
    3% over Share Certificate rate
  

  60
    100% of Money Market
    4.00%
    $18.42
  

  120
    Regular Shares; $200-$1,800
    3.25%
    $9.77
  

Unsecured

  
  Terms Up To (Months)
    Description
    APR*
    Monthly Payment Per $1,000 Borrowed
  

  24
    CLOSED END - $500 - $5,000
    8.75%
    $45.57
  

  48
    CLOSED END - $1,000 - $15,000
    10.95%
    $25.82
  

  24
    Energy Efficient Loans - $500 - $2,000
    7.50%
    $44.55
  

  48
    Energy Efficient Loans - $2,001 - $5,000
    7.50%
    $23.71
  

  120
    Energy Efficient Loans - $5,001 - $35,000
    7.50%
    $11.35
  

Home Equity

  
  Terms Up To (Months)
    Description
    APR*
  

  180-360
    $5,000 - $600,000
    7.50%
  

Variable Rate: 3.5% over the current Freddie Mac Federal cost of funds rounded up to nearest .25%; Minimum 4.5%; Rate adjusts July 1st; Rate caps at 5% over first initial interest rate; Fee: $350.00 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.