Rates & Fees
| 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. | |
Apply Now
