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Rates
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CERTIFICATE RATES 

Loan Rates | Visa Rates | New Home Equity Loans | Variable Rate Home Equity Loans


As of September 1, 2010 to present
Get a NEW loan as low as 2.49%* when you take advantage of Direct Deposit and Automatic loan pay.
The automatic loan payment comes from either a payroll deduction or an automatic transfer from your checking or savings account.

* All rates are designated as low as APR (Annual Percentage Rate)
and are periodically set and subject to change without notice.
All stated APR are for qualified borrowers only.
All loan rates are fixed for the term, except for Home Equity loans.
Secured Loans As Low As
24 Months 2.49%
36 Months 2.79%
48 Months 2.99%
60 Months 2.99%
72 Months** 3.24%
Unsecured Loans As Low As
Other Unsecured Closed End Loans*** 10.00%
Line of Credit and Overdraft Protection 10.00%
*Used vehicles with values of $2,000.00 or less may be financed for a maximum of 24 months at the general signature rate.

** New Automobiles only at 72 months term. Loan must be $20,000.00 or more.

*** Vacation, holiday, home improvement, and electronic loans closed end. Holiday loans up to $2000.00 maximum from October 14 through December 31!!

The Credit Union will grant new auto loans (includes demo's and all vehicles not previously titled) up to 100% of the total purchase price of the vehicle, including tax, title, and value added ad-ons.

The Credit Union will grant used auto loans up to the lessor of 100% of the total purchase price of the vehicle (including tax, title, and value added ad-ons) or the NADA retail value.
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Shared Secured Visa
Annual Percentage Rate
For Purchases
9.90% Fixed APR
Annual Percentage Rate
For Balance Transfers
9.90% Fixed APR
Annual Percentage Rate
For Cash Advances
9.90% Fixed APR
Minimum Finance Charge - NONE
Annual Membership Fee - NONE
Over the Limit Fee - NONE
Cash Advance Fee - NONE
Late Payment Fee - $20
Returned Payment - $20
Balance Transfer Fee - NONE
Foreign Transaction Fee - NONE
Classic Visa
Annual Percentage Rate
For Purchases
12.90% Fixed APR
Annual Percentage Rate
For Balance Transfers
12.90% Fixed APR
Annual Percentage Rate
For Cash Advances
12.90% Fixed APR
Minimum Finance Charge - NONE
Annual Membership Fee - NONE
Over the Limit Fee - NONE
Cash Advance Fee - NONE
Late Payment Fee - $20
Returned Payment - $25
Balance Transfer Fee - NONE
Foreign Transaction Fee - NONE
Platinum Visa
Annual Percentage Rate
For Purchases
9.90% Fixed APR
Annual Percentage Rate
For Balance Transfers
9.90% Fixed APR
Annual Percentage Rate
For Cash Advances
9.90% Fixed APR
Minimum Finance Charge - NONE
Annual Membership Fee - NONE
Over the Limit Fee - NONE
Cash Advance Fee - NONE
Late Payment Fee - $20
Returned Payment - $20
Balance Transfer Fee - NONE
Foreign Transaction Fee - NONE
How to Avoid Paying Interest on Purchases:
Your due date is at least 25 days after the close of each billing cycle.
We will not charge you any interest on purchases if
you pay your entire balance by the due date each month.
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All rates are designated as APR (Annual Percentage Rate) and are periodically set and
subject to change without notice. All stated APR are for qualified borrowers only.




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Home Equity Line of Credit
Variable Rate Open-Ended
Current Rates
80% to 90% Loan to Value 7.00% + 1.00%
90% to 100% Loan to Value 7.00% + 2.00%
2nd Mortgage Loans Closed-End Member Pays
Closing Costs
Credit Union Pays
Closing Costs
Up to 80% Loan to Value 6.25% 7.25%
Over 80%-100% Loan to Value 7.00% 8.00%

* The initial home equity loan rate is based on an index (prime rate) as published in the Wall Street Journal. Changes in home equity loan rate are effective on the 1st day of the next month and are based upon on index (prime rate) and are effective until the 1st day of the next month in which the prime rate changes.
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