Rates & Fees

Effective as of: 8/28/2023
Consumer Lending Rates
New Vehicle Loans (2022 and Newer)
Term	Annual Percentage Rate (APR) Fixed*
36-84 months	As low as 5.25%

Used Vehicle Loans (2012-2021)
Term	Annual Percentage Rate (APR) Fixed*
36-84 months	As low as 5.75%

Used Vehicle Loans (2011 and Older)
Term	Annual Percentage Rate (APR) Fixed*
36-84 months	As low as 5.75%

New Recreational Loans (2022 and Newer)
Term	Annual Percentage Rate (APR) Fixed*
60-180 months	As low as 7.99%

Used Recreational Loans (2021 and Older)
Term	Annual Percentage Rate (APR) Fixed*
60-180 months	As low as 8.99%

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

Personal Line of Credit
	Annual Percentage Rate (APR) Fixed*
	As low as 11.25%

Personal Signature Loan
Term	Annual Percentage Rate (APR) Fixed*
36-60 months	As low as 10.49%

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

Vacation Check Loan
Term	APR as low as*
up to 12 months	As low as 7.99%

Home Equity Line of Credit
Term	Annual Percentage Rate (APR) Fixed*
180 months (60 month draw period, 120 month repayment period)	As low as 8.25%


*APR= Annual Percentage Rate. APRs range from 5.25%-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. Gold Checking Members get 0.50% discount on all loans, excluding Mortgage Loans, Home Equity Line of Credit accounts, VISA Credit Cards, Vacation Check Loans, Share Secured Loans. Credit Union membership required. Other qualifications or restrictions apply. Contact the Credit Union directly for details.

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