LOAN RATES 

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Check out our Loan Specials page to see how you can save!


VEHICLE LOANS
Rates vary based on credit performance

Term:

Model Year: 
New - 2015

Model Year:
2014 - 2012

Model Year:
2011 - 2007

36 months 1.99%-18.00%APR* 2.49%-18.00%APR* 3.99%-18.00%APR*
48 months 2.49%-18.00%APR* 2.99%-18.00%APR* 4.49%-18.00%APR*
60 months 2.49%-18.00%APR* 2.99%-18.00%APR* 4.99%-18.00%APR*
72 months 2.99%-18.00%APR* 3.99%-18.00%APR* n/a
84 months 3.99%-18.00%APR* 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 or lease of a replacement vehicle if you finance at the credit union.  $225 one-time fee for cars, light trucks, motorcycles, boats, and jet skis.

ATV LOANS

2.00% APR* above car loan rates

FIRST MORTGAGE
By having a checking account, direct deposit and setting your mortgage loan up on automatic payment, you could get an additional 1/4% off!

10 Year - 3.25%**** APR*

15 Year - 4.25%**** APR*

30 Year - 5.25%**** APR*

HOME EQUITY
Variable Rate - Currently

 Prime + 0% APR & No Fees**

SHARE SECURED LOANS

Call for Current Rate

VISA CARDS

No Annual Fee

10.75% APR*

PERSONAL LOANS

Rate based on Credit Performance

8.00% - 18.00% APR*

BOAT LOANS

Rate based on Credit Performance

 

NEW - 2015
60 Months    3.99% - 18.00% APR*
84 Months    5.99% - 18.00% APR*
120 Months  6.99% - 18.00% APR*  

2014-2005
48 Months   3.99% - 18.00% APR*
60 Months   4.99% - 18.00% APR*
84 Months   6.99% - 18.00% APR*

OVERDRAFT LOANS

18.00% APR*

                                                                             

RATES EFFECTIVE 01/01/2017 AND ARE SUBJECT TO CHANGE AT ANY TIME
*APR=ANNUAL PERCENTAGE RATE
**PERCENTAGE OF FEES MUST BE REIMBURSED TO CREDIT UNION ON HOME EQUITY LOANS IF PAID IN FULL WITHIN FIRST FOUR YEARS
***Vehicle must have less than 10,000 miles and titled less than 3 months.
****BY HAVING A CHECKING ACCOUNT, DIRECT DEPOSIT AND SETTING YOUR MORTGAGE LOAN UP ON AUTOMATIC PAYMENT, YOU COULD GET AND ADDITIONAL 1/4 % OFF

0-percent

Check out these websites for more information:

http://www.cudlautosmart.com/Research/Article.aspx?pageId=46&articleId=2&WT.svl=TipsAndAdvice

http://consumerist.com/2007/03/30/dealerships-rip-you-off-with-the-four-square-heres-how-to-beat-it/

https://www.nasafcu.com/dealer-vs-credit-union-financing-calculator/