| EFFECTIVE DATE: January 1, 2023 Dividend as of January 1, 2023: 0.80% | REPLACES ADDENDUM DATED: November 1, 2022 |
| Loan Description | Rates as Low as* |
|---|---|
| Share Secured 84 months maximum term | 2.80% |
| 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 | 4.75% 4.50% 4.25% 3.70% |
| Used Vehicles (2019 and Newer) 84 months max term 72 months max term 60 months max term | 5.00% 4.75% 4.5% |
| Used Vehicles (2018 to 2015) 72 months max term 60 months max term | 5.50% 5.25% |
| Used Vehicles (2014 and Older) 60 months max term | 6.25% |
| New Sports & Leisure (Motorcycles/ATV’s/Stock Trailers) Up to 84 months max term Up to 72 months max term Up to 60 months max term | 6.00% 5.75% 5.25% |
| Used Sports & Leisure (Motorcycles/ATV’s/Stock Trailers) Up to 72 months max term Up to 60 months max term Up to 48 months max term | 6.50% 6.25% 5.75% |
| New Boats/Motors/Trailers 108 months max term 96 months max term 84 months max term 72 months max term 60 months max term | 6.50% 6.25% 6.00% 5.75% 5.25% |
| Used Boats/Motors/Trailers 84 months max term 72 months max term 60 months max term 48 months max term | 6.50% 6.25% 6.00% 5.75% |
| 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 | 6.75% 6.50% 6.25% 6.00% 5.75% 5.50% |
| Used Recreational Vehicles 84 months max term 72 months max term 60 months max term 48 months max term | 6.50% 6.25% 6.00% 5.75% |
| Storm Shelter Loans 60 months max term 48 months max term 36 months max term | 5.75% 4.75% 3.75% |
| 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) | 4.50% 4.25% |
| Used Lawn and Garden (Tractors/Mowers/ZTRs) 60 months max term ($30,000 max loan amount) | 4.75% |
*Rates are based on Applicant’s Credit Bureau score.
**Additional conditions may be applicable
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.