Loan Rates
Share Secured
| Credit Score |
New Money Loan Rate APR*
|
Refinanced Loan Rate APR**
|
| A, B, C, D, E |
3.00%
|
5.00%
|
Rates above effective as of 02/01/2012.
New Vehicles
| Credit Score |
New Money Loan Rate APR*
|
Refinanced Loan Rate APR**
|
| A |
3.25%
|
8.00%
|
| B |
4.25%
|
8.75%
|
| C |
7.25%
|
10.75%
|
| D |
13.00%
|
15.75%
|
Rates above effective as of 02/01/2012.
Used Vehicles '08-'12
| Credit Score |
New Money Loan Rate APR*
|
Refinanced Loan Rate APR**
|
| A |
3.75%
|
9.25%
|
| B |
4.75%
|
10.00%
|
| C |
7.75%
|
11.00%
|
| D |
13.50%
|
16.00%
|
Rates above effective as of 02/01/2012.
Used Vehicles '05-'07
| Credit Score |
New Money Loan Rate APR*
|
Refinanced Loan Rate APR**
|
| A |
4.25%
|
10.00%
|
| B |
5.25%
|
10.75%
|
| C |
9.25%
|
11.75%
|
| D |
14.50%
|
16.75%
|
Rates above effective as of 02/01/2012.
Used Vehicles '03-'04
| Credit Score |
New Money Loan Rate APR*
|
Refinanced Loan Rate APR**
|
| A |
5.75%
|
10.75%
|
| B |
8.25%
|
11.50%
|
| C |
10.50%
|
11.75%
|
| D |
15.25%
|
17.50%
|
Rates above effective as of 02/01/2012.
New Recreation Vehicle
| Credit Score |
New Money Loan Rate APR*
|
Refinanced Loan Rate APR**
|
| A |
6.75%
|
9.75%
|
| B |
7.50%
|
10.75%
|
| C |
8.75%
|
10.75%
|
| D |
15.50%
|
17.50%
|
Rates above effective as of 02/01/2012.
Used Recreation Vehicle
| Credit Score |
New Money Loan Rate APR*
|
Refinanced Loan Rate APR**
|
| A |
8.75%
|
10.75%
|
| B |
9.50%
|
11.50%
|
| C |
11.75%
|
13.50%
|
| D |
16.50%
|
18.00%
|
Rates above effective as of 02/01/2012.
Closed End Signature Loan
| Credit Score |
New Money Loan Rate APR*
|
Refinanced Loan Rate APR**
|
| A |
12.50%
|
17.00%
|
| B |
13.25%
|
17.00%
|
| C |
14.50%
|
17.00%
|
| D |
18.00%
|
18.00%
|
Rates above effective as of 02/01/2012.
Revolving Credit
| Credit Score |
New Money Loan Rate APR*
|
Refinanced Loan Rate APR**
|
| A, B, C |
15.00%
|
N/A
|
Rates above effective as of 02/01/2012
Overdraft Line of Credit Loan
| Credit Score |
New Money Loan Rate APR*
|
Refinanced Loan Rate APR**
|
| A, B, C |
15.00%
|
N/A
|
Rates above effective as of 02/01/2012.
Rates subject to change at any time, by direction of Board of Directors.
APR = Annual Percentage Rate.
CREDIT SCORES OF 780 OR ABOVE WILL RECEIVE A DEDUCTION OF .25% FROM THE "A" CREDIT SCORE RATE, ON SECURED LOANS.
* If collateral covers 75% to 100% of the loan, this will be the rate.
** A refinanced loan means adding money onto an existing loan at the Credit Union with additional collateral. If no new collateral is added, the rate will be 15% when refinancing an "A" paper score, 15 1/2% for a "B" paper score, 16% for a "C" paper score, and 18% for a "D" paper score.
HOME EQUITY LOANS
$5,000.00 NEW MONEY MINIMUM
FIRST LIEN POSITION LTV WILL BE UP TO 80%
SECOND LIEN POSITION LTV WILL BE UP TO 75%
Variable Rate Home Equity Line Of Credit
| Terms |
APR
|
| Current Rate |
3.25%
|
Rates above effective as of 02/01/2012.
Fixed Rate Home Equity Loan
| "A" Paper Grade |
1st Lien
|
2nd Lien
|
| 5 Year |
4.00%
|
5.00%
|
| 10 Year |
4.50%
|
5.50%
|
| 15 Year |
5.25%
|
6.25%
|
| "B" Paper Grade |
1st Lien
|
2nd Lien
|
| 5 Year |
4.25%
|
5.25%
|
| 10 Year |
5.00%
|
6.00%
|
| 15 Year |
5.75%
|
6.75%
|
Rates above effective as of 02/01/2012.
Visa Platinum
| Terms |
APR
|
| As Low As |
7.90%
|
Rates above effective as of 02/01/2012.