Loans
Rates are subject to change at any time without notice. We will make every attempt to update this section on the day of rate change. Please call the credit union for the latest information about rates and specials. Most rates determined by credit score. APR=Annual Percentage Rate.
Last Update: June 1, 2024
| Loan | Type | Terms | Annual Percentage Rate (APR) | Payment per $1,000 | Additional Information |
|---|---|---|---|---|---|
| Auto Loans |
New | 2-year | 4.75%* APR | $43.77 |
The maximum loan term is at the discretion of the loan officer. 84 month loan minimum $28,000. Some restrictions apply. Rates are determined by credit score. Rates on older vehicles are available! If you have our Premiere Checking and direct deposit, your auto loan rate will be 0.25% lower! Ask your loan officer about this special discount! Motorcycles are the same as auto loan rates. *Restrictions apply |
| 3-year | 5.50% APR | $30.20 | |||
| 4-year | 6.00% APR | $23.49 | |||
| 5-year | 6.25% APR | $19.46 | |||
| 6-year | 6.50% APR | $16.82 | |||
| 7-year | 7.50% APR | $15.35 | |||
| 2019-2023 | 2-year | 5.25% APR | $43.99 | ||
| 3-year | 6.25% APR | $30.54 | |||
| 4-year | 6.50% APR | $23.72 | |||
|
5-year |
7.00% APR | $19.81 | |||
|
6-year |
7.25% APR | $17.18 | |||
| 2016 & Older | 3-year | 6.50% APR | $30.66 | ||
| 4-year | 7.25% APR | $24.07 | |||
| 5-year | 8.25% APR | $20.41 | |||
| 6-year | 9.25% APR | $18.16 | |||
| Overdraft Protection | Kwik Cash Loan | N/A | 15.00% APR | Provides account overdraft protection | |
| Personal Loans | Signature | 3-year | 9.75% APR |
$32.16 |
Maximum loan amount, rates determined by credit score. |
| Signature | 4-year | 10.00% APR |
$25.37 |
||
| Signature | 5-year | 10.25% APR |
$21.38 |
||
| New Rec | 3-year | 6.50% APR | $30.66 | Boat and recreational vehicle loans require 15% down. Rates determined by credit score. Other terms available. | |
| New Rec | 4-year | 7.00% APR | $23.95 | ||
| New Rec | 5-year | 7.50% APR | $20.05 | ||
| Used Rec | 3-year | 6.75% APR | $30.77 | ||
| Used Rec | 4-year | 7.25% APR | $24.07 | ||
| Used Rec | 5-year | 7.75% APR | $20.17 | ||
| Home Equity Lines of Credit | 80% LTV 2nd | N/A | Prime - .50% APR | $16.00 |
Line of Credit Rates determined by credit score. Owner Occupied. Floor rate of 3.75% |
| 80% LTV 1st | Prime - 1% APR | ||||
| 50% LTV 1st | Prime - 1.25% APR | ||||
| First Mortgage | 15-years | 6.750% APR | $8.86 |
Appraisal, title and flood search, and recording fees are paid by borrower, other programs available. Rates determined by credit score. Shorter and longer terms available for 2nd mortgage products. |
|
| First Mortgage | Up to 30 years, call for current rate | ||||
| 2nd Mortgage | 5-year | 6.25% APR | $19.46 | ||
| 10-year | 7.75% APR | $12.01 | |||
| 1st Mortgage | 3-year | 4.75% APR | $29.86 |
50% LTV Other programs available. Rates based on credit score. |
|
| 5-year | 4.75% APR | $18.76 | |||
| 7-year | 5.50% APR | $14.38 | |||
| 10 year | 5.75% APR | $10.98 | |||
| 15 year | 6.25% APR | $8.58 | |||
