Risk-Based Lending Rates (Effective 1/27/2023)

Score

Share   Secured

Secured I - Purchase of 2020 or Newer - New & Used Vehicles, Motorcycles

Secured II - Purchase of 2020 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+	2.25%	3.25%	3.50%	3.50%	3.75%	3.75%	4.00%
A	2.25%	3.25%	3.50%	3.50%	3.75%	3.75%	4.00%
B	2.25%	4.25%	4.75%	5.00%	5.25%	4.75%	5.50%
C	2.25%	5.75%	6.50%	7.00%	7.25%	6.25%	7.50%
D	2.25%	7.75%	8.75%	9.00%	9.25%	NA	NA
E	2.25%	9.75%	11.00%	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+	5.00% / 5.25%	5.50%	5.25%	5.50%	5.75%
A	5.00% / 5.25%	5.50%	5.25%	5.50%	5.75%
B	6.25% / 6.50%	6.75%	6.00%	6.25%	7.00%
C	NA	NA	8.00%	8.25%	NA
D	NA	NA	10.00%	11.25%	NA
E	NA	NA	14.00%	NA	NA

 

Secured III - ATVs, Snowmobiles, Tractors (N/U), Misc. Equipment

	36 Months	48/60 Months	72 Months
A+,A	4.00%	4.50%	5.00%
B	5.00%	5.50%	6.00%
C	7.00%	7.50%	8.00%

 

• 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
   

VISA Classic Credit Card

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 - 2013 or newer Used Vehicles - Secured I - Purchase Loans for Models 2019 and older

Score	36 Months - APR	48-60 Months - APR
A+, A	4.50%	5.00%
B	5.25%	6.25%
C	7.00%	8.00%
D	8.50%	9.00%
E	9.00%	NA

 

• No down payment required
• Terms on repayment vary based on amount financed, interest rate, length of loan

Share Dividend Rates  (Posted 1/01/2023)

Account	Tier	Dividend Rate	Annual Percentage Yield
Share and Club Accounts	$0.00 - $299.99	None	None
	$300.00 - +	0.10%	0.10%
IRA Shares	N/A	.75%	.75%

 

• The above tier rates reflect dividends posted October 1, 2022 on deposits at the Credit Union for the period July 1, 2022 thru September 30, 2022 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