Rates

EFFECTIVE DATE: November 1, 2024
Dividend as of September 30, 2024: 0.45%
REPLACES ADDENDUM DATED:
February 23, 2024

Loan Description Rates as Low as*
Share Secured
84 months maximum term
2.50%
Signature
60 months max term
$12,000 limit per household
11.75%
New Vehicles
84 months max term
72 months max term
60 months max term
48 months max term
5.75%
5.50%
5.25%
4.75%
Used Vehicles (2020 and Newer)
84 months max term
72 months max term
60 months max term
6.00%
5.75%
5.50%
Used Vehicles (2019 to 2016)
72 months max term
60 months max term
6.50%
6.25%
Used Vehicles (2015 and Older)
60 months max term
7.25%
New Sports & Leisure (Motorcycles/ATV’s/UTV’s/Stock Trailers)
Up to 84 months max term
Up to 72 months max term
Up to 60 months max term
7.00%
6.75%
6.25%
Used Sports & Leisure (Motorcycles/ATV’s/UTV’s/Stock Trailers)
Up to 72 months max term
Up to 60 months max term
Up to 48 months max term
7.50%
7.25%
6.75%
New Boats/Motors/Trailers
108 months max term
96 months max term
84 months max term
72 months max term
60 months max term
7.50%
7.25%
7.00%
6.75%
6.25%
Used Boats/Motors/Trailers
84 months max term
72 months max term
60 months max term
48 months max term
7.50%
7.25%
7.00%
6.75%
New Recreational Vehicles
108 months max term
96 months max term
84 months max term
72 months max term
60 months max term
48 months max term
7.75%
7.50%
7.25%
7.00%
6.75%
6.50%
Used Recreational Vehicles
84 months max term
72 months max term
60 months max term
48 months max term
7.50%
7.25%
7.00%
6.75%
Storm Shelter Loans
60 months max term
48 months max term
36 months max term
6.75%
5.75%
4.75%
New Lawn and Garden (Tractors/Mowers/ZTRs)
72 months max term ($30,000 max loan amount)
60 months max term ($30,000 max loan amount)
5.50%
5.25%
Used Lawn and Garden (Tractors/Mowers/ZTRs)
60 months max term ($30,000 max loan amount)
5.75%
Tide-You-Over Loans (TYOL)
12 months maximum term***
15%
Christmas Loans
8 months maximum term***
15%

*Rates are based on Applicant’s Credit Bureau score.

**Additional conditions may be applicable

***Some conditions apply

Other Charges:

FILING FEE: You will be charged a lien-filing fee at the time of an advance if the credit union takes a security interest in your collateral. The amount of the filing fee will be based upon the amount of the fee required by state law for the credit union to obtain a lien on your property. The amount of the filing fee will be added to the loan at the time the lien is filed.

COLLECTION COSTS: You promise to pay all costs of collecting the amount you owe under this agreement including court costs and reasonable attorney fees. All repayment terms are approximate.