Risk-Based Lending Rates (Effective 1/01/2024)
| Score |
Share
Secured |
Secured I - Purchase of
2021 or Newer - New & Used Vehicles, Motorcycles |
Secured II - Purchase of
2021 or Newer - Campers, Boats |
| |
72 Mos.
*APR |
36/48 Mos.
*APR |
60 Mos.
*APR |
72 Mos.
*APR |
84 Mos.
*APR |
36/48 Mos.
*APR |
60/72 Mos.
*APR |
| A+ |
3.50% |
4.50 |
4.75 |
4.75 |
5.00 |
5.50 |
5.75 |
| A |
3.50 |
4.50 |
4.75 |
4.75 |
5.00 |
5.50 |
5.75 |
| B |
3.50 |
5.50 |
6.00 |
6.25 |
6.50 |
6.50 |
7.25 |
| C |
3.50 |
7.00 |
7.75 |
8.25 |
8.50 |
8.00 |
9.25 |
| D |
3.50 |
9.00 |
10.00 |
110.25 |
10.50 |
NA |
NA |
| E |
3.50 |
11.00 |
12.25 |
N/A |
N/A |
NA |
NA |
| Score |
Motorhomes, Park Model
5th Wheel Campers |
Unsecured
|
| |
New
120 Mos. / 180 Mos.
*APR |
Used
84 Mos.
*APR |
36 Mos.
*APR |
48 Mos.
*APR |
60 Mos.
*APR |
| A+ |
6.75% / 7.00% |
7.25 |
7.00 |
7.25 |
7.50 |
| A |
6.75% / 7.00% |
7.25 |
7.00 |
7.25 |
7.50 |
| B |
8.00% / 8.25% |
8.50 |
7.75 |
8.00 |
8.75 |
| C |
NA |
NA |
9.75 |
10.00 |
NA |
| D |
NA |
NA |
11.75 |
13.00 |
NA |
| E |
NA |
NA |
15.75 |
NA |
NA |
| Secured III - ATVs, Snowmobiles, Tractors (N/U), Misc. Equipment |
| |
36 Months |
48/60 Months |
72 Months |
| A+,A |
5.75 |
6.25 |
6.75 |
| B |
6.75 |
7.25 |
7.75 |
| C |
8.75 |
9.25 |
9.75 |
| |
|
|
|
**** Any account open less than 6 months add 1.00% to interest rate ****
- All rates indicate Annual Percentage Rate (*APR)
- Sales tax, maintenance agreements, extended warranties and miscellaneous charges can be included for A+, A and B borrowers for Secured I & Secured II categories
- Servicemembers Civil Relief Act: Servicemembers may be eligible for a 6% annual percentage rate while on active duty
-
Contact the Credit Union for rate match or longer terms
-
No down payment required
-
Terms on repayment vary based on amount financed, interest rate, and length of loan
-
Secured I & II - ability to match rates/term; add .50 basis points for longer terms each additional year up to 10 years; must be $25,000 and above for 72 month or longer term
-
Used Vehicles - Add 1.00 basis point to current rate for vehicles 25 years old and older
| Score |
Annual Percentage Rate |
| A+, A, B |
7.99% |
| C |
11.99% |
| D, E |
15.99% |
- No annual or cash advance fees
- No membership/participation fee
- Fixed rate
|
Collateral Loans (not purchase) - secured by - 2014 or newer
Used Vehicles - Secured I - Purchase Loans for Models 2020 and older
|
| Score |
36 Months - APR |
48-60 Months - APR |
| A+, A |
5.75 |
6.25 |
| B |
6.50 |
7.50 |
| C |
8.25 |
9.25 |
| D |
9.75 |
10.25 |
| E |
10.25 |
NA |
- No down payment required
- Terms on repayment vary based on amount financed, interest rate, length of loan
Share Dividend Rates (Posted 4/01/2024)
| Account |
Tier |
Dividend Rate |
Annual Percentage Yield |
| Share and Club Accounts |
$0.00 - $299.99 |
None |
None |
| |
$300.00 - + |
0.35% |
0.35% |
| IRA Shares |
N/A |
1.50% |
1.51% |
- The above tier rates reflect dividends posted April 1, 2024 on deposits at the Credit Union for the period January 1, 2024 thru March 31, 2024 using the average daily balance method for share balances of $300.00 or more.
- Rates subject to change without notice.
- Fees can reduce the earnings on the account(a fee schedule is available at the Credit Union, upon your request)
- Minimum deposit is $5.00
- To earn a dividend minimum, deposit is $300
- Minimum balance is $5.00
- To earn a dividend minimum balance is $300
- Initial share amount to open account is $10
- $5 to buy share in Credit Union
- $5 to put in account