Late Fee for loans 30+ Days Late: 5% of the principle + interest payment,
APY – The effective annual rate of return taking into account the effect of compounding interest
APR – The annual rate that is charged for borrowing, expressed as a single percentage number that represents the actual yearly cost of funds over the term of a loan. This includes any fees or additional costs associated with the transaction.
Rates as of December 2019
All rates subject to change
| Visa Credit Cards Cash Advance *subject to credit approval, $7500 max credit | 10.90% 12.90% |
| Signature Loans Max amount $12,500 *5yr max term *subject to credit approval | 7.25% fico 750 and up 8.25% fico 650 to 749 9.25% fico 600 to 649 11.25% fico 550 to 599 |
Sliding interest rates on NEW signature loans are based on credit scores and payment history. Final interest rate is to be determined by and at the discretion of the credit committee. Refinanced loans will be at or above their current interest rate.
| Shared Secured *Total of loan fully secured by shares | 3.00% |
Vehicle Loans
*All vehicle loans must have sales agreement
New Car Loans
*Subject to credit approval
| 2017-2019 01-36 months 37-48 months 49-60 months 61-72 months | 2.99% 3.50% 3.79% 3.99% |
*100% financing including tax and fee on new car loans, UPON APPROVED CREDIT
Used Car Loans
| 3-4 yrs (2015/2016) —-90% finanacing up to 72 months 4 yrs or older —-80% financing | 4.50% 4.99% |
*Not to exceed delivery price
*Value of vehicle not to exceed NADA guide trade/retail in value
*Total of vehicle and signature loans combined cannot exceed $50,000.
RV Loans
| Up to 120 Months | 6.49% |
Motorcycle Loans
| 2017-2018 – up to 72 months 2016 & older – up to 60 months | 6.99% 7.99% |
Pet Loans – up to $5,000
Subject to credit approval
Checks must be made out directly to vet/breeder
| 12 Months 24 Months 36 Months | 6.9% 7.9% 8.9% |
STS Loans – Emergency Loans
Rate 18% – subject to change
Loan Limits – $500-$1,000
Term 3-6 Months
Loan Processing Fee – $20
Must have/hold 10% of the loan on deposit in savings
Must be employed at same place for at least 6 months
Consolidation Loans
9.25% Up to $20,000 – Terms up to 72 Months
Subject to terms and conditions of credit union, upon credit approval
Checks must be made payable to institution being paid off
Certificates of Deposit
$5,000 minimum
| 12 Month 24 Month | 0.40% 0.65% |
| Dividends Rates on Shares *Based on $100 or more | 0.15% |
*Subject to terms and conditions
*All rates subject to change
Calculators
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Loan Calculators
Simple Loan calculator
Miscellaneous Calculators
IRS Witholding calculator
College Expected Family Contribution calculator
College Cost Projector calculator
Savings Bond calculator
