Rates

EFFECTIVE DATE: January 1, 2023
Dividend as of January 1, 2023: 0.80%
REPLACES ADDENDUM DATED:
November 1, 2022
Loan DescriptionRates 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.