Rates & Fees

Effective as of: 11/22/2024
Consumer Lending Rates

Vehicle, Motorcycle, RV, Boat, and Other Collateral Loans
New Vehicle and Motorcycle Loans (2 Model Years or Newer)
Term	Annual Percentage Rate (APR) Fixed*
36 months	Starting at 5.24%
48 months	Starting at 5.74%
60 months	Starting at 5.99%
72 months	Starting at 6.49%
84 months	Starting at 6.99%
Motorcycles (street legal) add 1.00% to rate

Used Vehicle and Motorcycle Loans (3 - 10 Model Years) and Classic Car Loans
Term	Annual Percentage Rate (APR) Fixed*
36 months	As low as 5.74%
48 months	As low as 5.99%
60 months	As low as 6.24%
72 months	As low as 6.74%
84 months	As low as 7.24%
Motorcycles (street legal) add 0.50% to rate. Classic must be 30 model years or older, and in good condition

Used Vehicle Loans (11 Model years or older)
Term	Annual Percentage Rate (APR) Fixed*
36 months	As low as 5.99%
48 months	As low as 6.24%
60 months	As low as 6.49%
72 months	As low as 7.24%
84 months	As low as 7.74%
Motorcycles (street legal) add 1.00% to rate. Model year 15 years or older, maximum term 72 months.

New RV and Boat Loans (2 Model Years or Newer)
Term	Annual Percentage Rate (APR) Fixed*
60 months	As low as 7.49%
72 months	As low as 7.74%
84 months	As low as 7.99%
120 months	As low as 8.24%
180 months	As low as 8.74%
Terms 120 months or more require loan balance of $50,000 or higher

Used RV and Boat Loans (3 Model Years or Older)
Term	Annual Percentage Rate (APR) Fixed*
60 months	As low as 8.49%
72 months	As low as 8.74%
84 months	As low as 8.99%
120 months	As low as 9.24%
180 months	As low as 9.74%
Terms 120 months or more require loan balance of $50,000 or higher. 11 model years or older add 1.00% to rate

New Other Recreational (2 Model years or newer)
ATVs, trailers, dirt bikes, equipment, watercraft, etc.
Term
36 months	As low as 6.99%
48 months	As low as 7.24%
60 months	As low as 7.74%
72 months	As low as 8.49%
84 months	As low as 9.49%
Terms 72 months or more require loan balance of $10,000 or higher.

Used Other Recreational (3 Model years or older)
ATVs, trailers, dirt bikes, equipment, watercraft, etc.
Term
36 months	As low as 7.49%
48 months	As low as 7.99%
60 months	As low as 8.24%
72 months	As low as 8.99%
84 months	As low as 9.99%
Terms 72 months or more require loan balance of $10,000 or higher. 6 model years or older add 1.00% to rate.

Home Equity Line of Credit
180 month term (60 month draw period, 120 month repayment period)
Loan-to-Value (LTV)	Annual Percentage Rate (APR) Fixed*
Up to 80% LTV	As low as 7.99%
80.01% - 90% LTV	As low as 8.99%

Minimum Payment
Draw Period: 1.50% of outstanding balance	Repayment Period: Fixed payment, 120 months

Unsecured Loans
Personal Signature Loan
Term	Annual Percentage Rate (APR) Fixed*
12 months	As low as 7.99%
24 months	As low as 8.49%
36 months	As low as 9.24%
48 months	As low as 9.74%
60 months	As low as 10.24%

Personal Line of Credit
	Annual Percentage Rate (APR) Fixed*
	As low as 10.24%

VISA Credit Card
	Annual Percentage Rate (APR) Fixed*
	As low as 8.99%

Other Loans
Share Secured Loan
Term	Annual Percentage Rate (APR) Fixed*
36-60 months	3% plus share dividend rate

Vacation Check Loan
Term	APR as low as*
up to 12 months	As low as 7.99%
$125.00 Origination Fee. Direct deposit required.

Gold Checking Discount
Gold Checking members get a 0.50% discount on loan rates, excluding Mortgage Loans, Home Equity Loans and Lines of Credit, VISA Credit Cards, Vacation Check Loans, and Share Secured Loans.


*APR= Annual Percentage Rate. APRs range from 5.24%-17.99%. The APR you qualify for is based on repayment period, collateral year and mileage, your personal credit qualifications, and employment history. Payment example: If you borrow $20,000.00 for 60 months at 5.24% APR, your monthly payment would be $380.49. New Vehicle Loans have a qualifying criterion of 15k miles or less. Motorcycles are treated as New or Used Vehicle Loans, with an increase to the APR of 0.50%. Classic Vehicles are subject to an onsite inspection. Recreational Loans are defined as, but not limited to: boats, trailers, snowmobiles, off road vehicles, farm equipment. Home Equity Lines have a 60 Month draw period, with a minimum initial advance is $10k. Subsequent advances afterwards are $1,000 minimum. Credit Union membership required. Other qualifications or restrictions apply. Contact the Credit Union directly for details.

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