We're always your connection to great loan rates!
Current loan promotions may affect rates. Visit our Home Page for updated specials.
When you are shopping for a car, truck, SUV, boat, motorcycle, or ATV, always check with your credit union to discuss your loan options and potential savings. If you are able to find a lower rate elsewhere, we may be able to match that rate and give you the personal service you deserve.
Loan rates are analyzed and declared periodically by the Board of Directors and are subject to change.
Car and Other Vehicle Loan Rates
Effective January 1, 2025| APR | |
|---|---|
| *Auto Loans | 6.99 to 17.99% |
| Other Collateral | 8.99 to 17.99% |
Second Mortgage Loan Rates
Effective January 1, 2025| Home Equity Fixed Second Mortgages | APR |
|---|---|
| Loan to Value less than 60% | 5.50% to 12.50% |
| Loan to Value between 61% - 70% | 6.50% to 13.50% |
| Loan to Value between 71% - 85% | 7.50% to 14.50% |
Personal Loan Rates
Effective January 1, 2025| APR | |
|---|---|
| Personal Loans | 9.99 to 17.99% |
Adjustable Rate Mortgage Rates
Effective January 1, 2025| Adjustable Rate Home Equity Line of Credit | Term | APR Adjustable Rate |
|---|---|---|
| Loan to Value 85% or less | 1 to 15 years | 7.50% – 18.00% |
Share Secured Loan Rates
Effective January 1, 2025| APR | |
|---|---|
| 100% Share secured | 3.00% above current share rate |
| 50% Share secured | 6.00% above current share rate |
| Certificate secured Advances | 3.00% above the current share certificate rate. Rate subject to change based on new rate of Share Certificate at new maturity. |
VISA Credit Card Rates
Effective January 1, 2025| Details | |
|---|---|
| Annual Percentage Rate | 10.99% |
| Other APRs | 5.99% APR for Cash Advances. Finance charges imposed beginning on day of cash advance. |
| Grace period for repayment of the balance for purchases | You have 25 days to repay your balance for purchases before a finance charge will be imposed. |
| Method of computing the balance for purchases | Average Daily Balance (including new purchases) |
| Annual fees | None |
| Minimum finance charge | None |
| Transaction fee for purchases | None |
Loan Fees
| Fee Type | Fee Amount |
|---|---|
| Loan Extension | $35.00 per loan |
| Returned check used for loan/VISA payment | $27.00 per item |
| Conventional loan late payment fee if 15 or more days late | 5% of payment |
| Mortgage loan late payment fee if 15 or more days late | 5% of payment |
| VISA late payment fee if 10 or more days late | $20.00 |
| Loan/VISA Pay by Phone Live Representative (paying with a credit card) | $9.95 |
| Loan/VISA Payment Online(paying with a debit or credit card) | $8.95 |
| VISA annual fee | $0.00 |
| VISA Cash advance fee | $0.00 |
| VISA card replacement fee | $10.00 |
| VISA statement fee | $5.00 |
| Collection Costs for all types of loans | pay all costs of collections to include 33 1/3% attorney fees, court fees, and any other expenses incurred in the collection of the amount due. |