Loan Rates

 

Effective as of: November 1, 2015

Loan Type Approximate Term (Months) APR* Daily Periodic Rate
Automobile Loans
New and Used Automobile Loan Rates Rates are based on Credit Reporting Beacon Score    
  New & Used Rates    
725 or above 48 Months 3.00% 0.008219
  60 Months 3.75% 0.010273
  72 Months 4.00% 0.010958
650-724 48 Months 3.25% 0.008904
  60 Months 3.90% 0.010684
  72 Months 4.25% 0.011643
600-649 48 Months 6.00% 0.016438
  60 Months 7.00% 0.019178
  72 Months 8.00% 0.021917

500-599

  14.00% 0.038356

 

Automobile Terms of Finance

 
Year Model Listed Below      
2015-2016 Up to 72 Months    
2013-2014 Up to 60 Months    
2011-2012 Up to 48 Months    
2009-2010 Up to 36 Months    
       
Share Secured Loans
Up to 60 Months   3.00% 0.008219
       
Motorcycles, Boats and Campers
Up to 60 Months   6.00 0.016438
       
Signature Loans 
       
Credit Score
700 and above   10.00% 0.027397
600-699   14.00% 0.038356
599 and below   18.00% 0.043915
       
Application Fees: A fee of $25.00 will be charged at the initial advance of your loan to cover the cost of processing the loan. This fee will be imposed every 6 months upon advances.
Filing Fee: A lien filing fee will be charged at the time of the advance if the credit union takes a security interest in the collateral. The amount of the filing fee will be disclosed on the loan voucher.
Collection: You promise to pay all court cost of collecting the amount you owe under this contract including court cost and reasonable attorney fees.

 

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