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Loan Description | Approximate Term |
Preferred APR |
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Savings Secured 100% | ||||
Apply Now | 4 years | 5.74% | ||
Apply Now | 5 years | 6.24% | ||
Apply Now | 6 years | 6.49% | ||
Apply Now | 7 years | 6.74% | ||
Certificate Secured 100% | ||||
Apply Now | 6 years | Index + 2.49% | ||
Home Equity Fixed Rate*** | ||||
Loan Amount | 60-months |
120-months |
180-months |
240-months |
$10,000.00 - $24,999.99 |
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$25,000.00 - $49,999.99 | Contact the credit union |
Contact the credit union |
Contact the credit union |
Contact the credit union |
$50,000.00 - $99,999.99 | Contact the credit union |
Contact the credit union |
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$100,000.00 + | Contact the credit union |
Contact the credit union |
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Application fee of $99 (non-refundable) | ||||
Car | ||||
3 years | 2.74%** |
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4 years | 3.24%** |
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5 years | 3.74%** |
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Boat/RV 2005 and newer | ||||
up to $29,999.99 |
5 years | 8.99 - 14.49%** | ||
over $30,000.00 |
10 years | 9.49 - 14.99%** | ||
Motorcycle 2005 and newer | ||||
Apply Now | 4 years | 4.99 - 18.00%** | ||
Check Credit Line | ||||
Apply Now | 5 years | 13.99% | ||
Overdraft Loan | ||||
Apply Now | 5 years | 13.49% | ||
All Other Secured & Unsecured Loans | ||||
Apply Now | 3 years | 10.74%** | ||
Apply Now | 5 years | 10.99%** | ||
Apply Now | 6 years | 11.24%** |
** Based on Fair Isaac Score (Learn more about Fair Issac scoring)
*** All Home Equity Loans carry an appraisal fee of $100 that will be refunded at settlement closing.
A rate reduction of 1/2% will be given for any payment made by Payroll Deduction with Automatic Payment. If payroll deduction with automatic payment is discontinued, the APR will increase to the COUPON BOOK rate and any increase in the rate will result in more payments of the same amount until what you owe has been repaid.
All Share Certificate Secured Loans are adjustable rate. The index is the APR of a Share Certificate being used as collateral. If there is more than one Share Certificate being used as collateral, then the index will be the average APR of the Share Certificates being used as collateral. The index and monthly payment is subject to change each time a Share Certificate matures.
Secured by Mortgage (Fixed Rate): Up to 15 Years.
Secured by Mortgage (Adjustable Rate): This open line-of-credit is for 20 years. (The Prime Rate posted in The Wall Street Journal minus 0.25 for payroll deduction with automatic payment on the last business day of the month, if there is more than one rate the interest rate will be the average of all the posted rates). The interest rate is subject to change monthly.
First Mortgages: Call the office at 1-800-713-2274 and ask for Michael or press extension 110.
*Learn more about Fair Issac scoring.