Consumer Loans

New Auto Loan

Maximum Terms Maximum Financed APR*
48 Months‡ 100% 3.49%
60 Months‡ 100% 3.99%
72 Months‡ 100% 4.24%
84 Months**‡ 100% 4.74%

Used Auto

(10 years old or newer)

Maximum Terms Maximum Financed APR*
48 Months‡ Up to 100% 3.49%
60 Months‡ Up to 100% 3.99%
72 Months‡ Up to 100% 4.24%
84 Months**‡ Up to 100% 4.74%

New RV/Boat

Maximum Terms Maximum Financed APR*
120 Months*** 100% 5.24%
144 Months*** 100% 5.49%
180 Months*** 100% 5.74%

Used RV/Boat

(10 years old or newer)

Maximum Terms Maximum Financed APR*
120 Months*** High NADA 5.49%
144 Months*** 100% 5.74%

Used RV/Boats

(Over 10 years old)

Maximum Terms Maximum Financed APR*
60 Months*** High NADA 6.74%
84 Months*** High NADA 7.24%
144 Months*** High NADA 7.74%

New Adventure - Motorcycles, Water Crafts

Maximum Terms Maximum Financed APR*
60 Months*** High NADA 5.24%
84 Months*** High NADA 5.49%

Used Adventure - Motorcycles, Water Crafts

(10 years old or newer)

Maximum Terms Maximum Financed APR*
60 Months*** High NADA 5.49%

Used Adventure - Motorcycles, Water Crafts

(Over 10 years old)

Maximum Terms Maximum Financed APR*
60 Months*** High NADA 6.49%

Visa Platinum

Maximum Terms Maximum Financed APR*
Revolving $30,000 8.90%

Visa Classic

Maximum Terms Maximum Financed APR*
Revolving $20,000 10.50%

Personal Loans

Maximum Terms Maximum Financed APR*
12 to 60 Months**** $100,000 7.74% - 9.24%

Personal Line of Credit

Maximum Terms Maximum Financed APR*
12 to 60 Months $100,000 9.99%

Home Equity Line of Credit^

Maximum Terms Maximum Financed APR*
20 Years 100%***** of purchase price or appraised value 5.25%*****†

Fixed Rate Home Equity Limited Draw Line of Credit****^

Maximum Terms Maximum Financed APR*
Depending on the term Up to 100%***** of purchase price or appraised value 5.24 to 6.74%*****

Raw Land

Maximum Terms Maximum Financed APR*
20 Years 65% of purchased price or appraised value Contact Us

Buildable Lots

Maximum Terms Maximum Financed APR*
20 Years 80% of purchase price or appraised value Contact Us

Share-secured

Maximum Terms Maximum Financed APR*
Contact Us Contact Us Contact Us

Manufactured Home Loans^

Maximum Terms Maximum Financed APR*
Contact Us Contact Us Contact Us

*Annual Percentage Rates effective 10/01/18 and subject to change without notice.
**Maximum term dependent on purchase price.
*** Maximum term dependent on purchase price: 
New RV/Boats
under $20,000 – Up to120 months
over $50,000 – Up to 180 months
Used RV/Boats
under $10,000 – Up to 60 months
over $35,000 – Up to 144 months
RV/Boats over 10 yrs old
under $10,000 – Up to 60 months 
over $25,000 – Up to 144 months 
New Adventure - Motorcycle & Water Crafts
under $10,000 – Up to 60 months
over $10,000 – Up to 84 months
Used Adventure - Motorcycle & Water Crafts 
under $25,000 – Up to 60 months
Used Adventure - Motorcycle & Water Crafts over 10 yrs old
under $20,000 – Up to 60 months
****Rate dependent on term. Contact the Credit Union for additional information.
†Variable Rate is equal to the Prime rate as published in the Wall Street Journal plus a margin of 0.00% subject to change every 3 months with a floor of 3.25% APR. The maximum APR that will be charged is 18%. Typical closing costs range from $0 - $1,500. 

*****Annual percentage rate is 1.5% higher for loan-to-value over 80%.
^ Property Insurance is required on home equity and mortgage loans.

‡The interest rate for gas vehicles exceeding 100,000 miles will be our published rate + .25%, based on the term of the loan.  The interest rate for diesel vehicles exceeding 150,000 miles will be our published rate + .25%, based on the term of the loan.