Loan Rates (as low as)

Rates as of July 1, 2010. Call or Email for more information. Apply Today

Loan Rates
Loan Type	Financing	Max Terms	APR*
New Vehicles	100%	72 Months	4.75%
New Vehicles: 2009-2010 vehicles under 10,000 miles
Used Vehicles	100%	72 Months	5.00%
Used Vehicles: 2009-2010 vehicles with more than 10,000 miles OR 2003-2008
New Boats & RVs	90%	180 Months	7.50%
Used Boats & RVs	90%	180 Months	8.00%
New Motorcycle	100%	60 Months	7.50%
Used Motorcycle	100%	48 Months	8.00%
New Harley Motorcycle	100%	72 Months	6.25%
Used Harley Motorcycle	100%	72 Months	7.00%
Signature Loans	100%	30 Months	12.50%
Share Secured	100%	60 Months	5.50%
CD / MMIF Secured**		12 Months	6.00%
Line of Credit (Overdraft Protection)		12 Months	12.50%
Transfers will be in $100 increments.

* Annual Percentage Rate.

** Certificate/MMIF Secured: The annual percentage will be the dividend rate paid on the Certificate of Deposit plus 3%. The Certificate must be renewed until the advance is completely paid. Failure to renew will result in default of the plan. The annual percentage rate will be disclosed on the voucher at the time of the advance.

*** New and Used Cars and Truck rates are determined by our Managed Credit Program. For more details, please call or email the loan department. Upon each car loan advance, if you no longer qualify for a rate category, your APR will change to reflect the rate category you then qualify for. Any increase in the APR will result in higher payments.

Other Loan Terms, Conditions & Information

100% financing available for new & used cars and trucks.
Interest rate discount of .50% available if 10% of the loan is secured by shares or a money market fund.
The Annual Percentage Rate (APR) will be the dividend rate being paid on the Certificate offered as security plus 3%. The Certificate must be renewed until the advance is completely paid. Failure to renew will result in default under the Plan. The annual percentage rate and daily periodic rate will be disclosed on the voucher at the time of the advance.
For the Managed Credit Program Criteria, please refer to our loan department for further information.
Upon each car loan advance, if you no longer qualify for a rate category, your APR will change to reflect the rate category you then qualify for. Any increase in the APR will result in higher payments.
Filing Fee: You will be charged a lien filing fee at the time of an advance if the credit union takes a security interest in your collateral. The amount of the filing fee will be based upon the amount of fee required by state law for the credit union to obtain a lien on your property.
Late Fee: A late charge of $25.00 will be assessed on each loan payment received 10 or more days after the due date. This charge will extend the term of your loan.
Collection Costs: You promise to pay all costs of collecting the amount you owe under this agreement, including court costs and reasonable attorney fees not in excess of 15% of the unpaid debt.
Your minimum monthly payment will never be less than $20.00 per month.
Rates and terms subject to change.