Loan Rates
VEHICLE LOANS
Rates vary based on credit performance
| Term: | Model Year: New - 2022 | Model Year: 2021 - 2019 | Model Year: 2018 - 2014 | Model Year: 2013 - 2009 |
|---|---|---|---|---|
| 36 months | 4.74% - 18.00% APR* | 5.24% - 18.00% APR* | 5.99% - 18.00% APR* | 7.74% - 18.00% APR* |
| 48 months | 5.04% - 18.00% APR* | 5.54% - 18.00% APR* | 6.99% - 18.00% APR* | 8.54% - 18.00% APR* |
| 60 months | 5.54% - 18.00% APR* | 5.99% - 18.00% APR* | 7.99% - 18.00% APR* | n/a |
| 72 months | 5.99% - 18.00% APR* | 6.59% - 18.00% APR* | n/a | n/a |
| 84 months | 6.59% - 18.00% APR* | n/a | n/a | n/a |
VEHICLE GAP PROTECTION
(GAP) Guaranteed Asset Protection - GAP Advantage covers the "gap" between the vehicle's value and the amount you still owe, including the insurance deductible. GAP Advantage also provides you with a $1,000 credit towards the financing of a replacement vehicle if you finance at the credit union. $300 one-time fee for cars, light trucks, motorcycles, and jet skis.
| Loan | Rate |
|---|---|
| ATV/JET SKI LOANS | 2.00% APR* above car loan rates |
| FIRST MORTGAGE | 5 Year - Please Call for Current Rate² | 10 Year - Please Call for Current Rate |
| 15 Year - Please Call for Current Rate | |
| 20 Year - Please Call for Current Rate | |
| 30 Year - Please Call for Current Rate | |
| HOME EQUITY Variable Rate |
Prime Rate + 0% APR* & No Fees¹ |
| 2nd Mortgage Fixed Rate |
Please Call for Current Rate |
| SHARE SECURED LOANS | Please Call for Current Rate |
| VISA CARDS No Annual Fee |
10.75% APR* |
| PERSONAL LOANS - Up to $15,000 Rate based on Credit Performance |
10.59% - 18.00% APR* |
| BOATS, RVs and CAMPERS LOANS Rate based on Credit Performance |
NEW - 2022 60 Months 6.79% - 18.00% APR* 84 Months 8.29% - 18.00% APR* 120 Months 8.59% - 18.00% APR* 2021-2012 48 Months 6.99% - 18.00% APR* 60 Months 7.39% - 18.00% APR* 84 Months 9.99% - 18.00% APR* |
OVERDRAFT LOANS | 18.00% APR* |
Closed- End Mortgage Rates effective 1/8/24 ¹PERCENTAGE OF FEES MUST BE REIMBURSED TO CREDIT UNION ON HOME EQUITY LOANS IF PAID IN FULL WITHIN FIRST FOUR YEARS . Minimum loan amount is $5,000.00 for HE. ²Maximum 65% of appraisal value from county website (less any outstand indebtedness). Minimum loan amount is $12,000. Maximum loan amount is $75,000. Sample monthly payment: $75,000 at 5.50% for 60 months would be $1,433. Property must be a single-family residence. Homeowners insurance is required. Consult a tax advisor regarding interest deductibility. NMLS# 684305.
Rates effective 1/8/24 and are subject to change at any time. Car loan sample monthly payment: $20,000 at 4.74%APR* for 36 months would be $598. Signature loan sample monthly payment: $15,000 at 10.59%APR* for 60 months would be $324.00. All rates and promotions are subject to change without notice. Please call the credit union at 440-357-2560 for complete information.Check out these websites for more information: