Loan Rates

Effective Date: July 24, 2008

New Car Rate
(Less than 3,000 original miles)

Rate

With
Automatic Payment

84 months

6.00% APR

5.80% APR

72 months

5.75% APR

5.55% APR

66 months

5.50% APR

5.30% APR

60 months

5.25% APR

5.05% APR

48 months

5.10% APR

4.90% APR

36 months

4.95% APR

4.75% APR

24 months

4.80% APR

4.60% APR

Used Car Rates (3,000 original miles or more and 2003 year model or newer)

Rate

With
Automatic
Payment

84 months

6.25% APR

6.05% APR

72 months

6.00% APR

5.80% APR

60 months

5.50% APR

5.30% APR

48 months

5.35% APR

5.15% APR

36 months

5.20% APR

5.00% APR

24 months

5.05% APR

4.85% APR

Other vehicles 1997-2002
(up to 60 months)

6.50% APR

6.30% APR

All other vehicles
(term depends on condition)

8.00% APR

7.80% APR

New Motorhomes, Travel Trailers & Boats (2 years old or newer)

Rate

With
Automatic
Payment

120 months

7.75% APR

7.55% APR

108 Months

7.25% APR

7.05% APR

72 Months

7.00% APR

6.80% APR

48 Months

6.25% APR

6.05% APR

Used Motorhomes,
Travel Trailers & Boats

Rate

With
Automatic Payment

Up to 60 months - 2000-2006

8.00% APR

7.80% APR

Up to 60 months - 1996-1999

8.50% APR

8.30% APR

Up to 60 months - 1995 and older

9.25% APR

9.05% APR

Motorcycles
(Road use only - must be titled)

Rate

With
Automatic Payment

Up to 60 months
(7 years old or newer)

5.25% APR

5.05% APR

Up to 60 months
(Older than 7 years)

5.50% APR

5.30% APR

ATV's, Personal Watercrafts, Dirt Bikes & Other Off Road Vehicles

Rate

With
Automatic Payment

Up to 60 months

7.25% APR

7.05% APR

Furniture, Appliances, Computers, Lawn & Garden Equipment

Rate

With
Automatic Payment

New - Up to 60 months

8.00% APR

7.80% APR

Used - Up to 48 months

10.00% APR

9.80% APR

Other Collateral

Rate

With
Automatic Payment

Other collateral

10.50% APR

10.30% APR

Share Loans

 

Pledged against shares
and certificates of deposit

3% above dividend

Signature Loans

Rate

With
Automatic Payment

12 Months

8.00% APR

7.80% APR

24 Months

9.00% APR

8.80% APR

36 Months

10.00% APR

9.80% APR

*** All terms are approximate and are provided to disclose the term the credit union uses to calculate payments for our open-end loan products. Actual number of payments may be effected by a borrower's ability to pay as agreed or to pay more than agreed. All loan terms are subject to credit qualification and approval. This rate sheet is not a contract and does not constitute an agreement by the credit union to extend credit to a borrower. Other terms and conditions may apply. APR = Annual Percentage Rate. ***

Home Equity Loans

Rate

120 Months

7.10% APR

90 Months

6.85% APR

60 Months

6.60% APR

Land or Lots

Rate

Zoned residential lot up to 10 acres (non-commercial) 80% LTV for up to 10 years

7.25% APR

Zoned residential lot greater than 10 acres (non-commercial) 80% LTV for up to 10 years

7.25% APR

Zoned residential lot greater than 10 acres (non-commercial) 80% LTV for up to 15 years

7.75% APR

Mobile Homes

Rate

New Mobile Homes
(Up to 72 months)

10.00% APR

Pre-owned Mobile Homes
(Up to 60 months)

10.50% APR

*** Rates are subject to change ***
*** LTV = Loan To Value ***

See Loan Department For
Current 1st Mortgage Rates

1st Mortgage - 75-80% Loan-To-Value 5-10 years

1st Mortgage - 75-80% Loan-To-Value 15 years

1st Mortgage - 75-80% Loan-To-Value 20 years

1st Mortgage - 75-80% Loan-To-Value 5-10 years with PMI

1st Mortgage - 81-90% Loan-To-Value 15 years with PMI

1st Mortgage - 81-90% Loan-To-Value 20 years with PMI

*** 1st mortgage rates are subject to change daily ***