Loan Rates
Auto Rates
Effective Date: Thursday, November 21st, 2024
| Loan Term | Rate APR* New | Rate APR* Used |
|---|---|---|
| 36 Months | 1as low as 4.24% | 1as low as 4.49% |
| 48 Months | 1as low as 4.49% | 1as low as 4.74% |
| 60 Months | 1as low as 4.74% | 1as low as 5.09% |
| 66 Months | 1as low as 5.09% | 1as low as 5.34% |
| 72 Months | 1as low as 5.34% | 1as low as 5.59% |
| 84 Months | 1as low as 6.09% | 1as low as 6.34% |
| 1The “as low as” rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount. | ||
Used Auto Rates
| Loan Term | Rate APR* New | Rate APR* Used |
|---|---|---|
| 36 Months | 1as low as 4.49% | 1as low as 4.49% |
| 48 Months | 1as low as 4.74% | 1as low as 4.74% |
| 60 Months | 1as low as 5.09% | 1as low as 5.09% |
| 66 Months | 1as low as 5.34% | 1as low as 5.34% |
| 72 Months | 1as low as 5.59% | 1as low as 5.59% |
| 84 Months | 1as low as 6.34% | 1as low as 6.34% |
| 1The “as low as” rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount. | ||
Motorcycles
Effective Date: Thursday, November 21st, 2024
| Loan Term | Rate APR* New | Rate APR* Used |
|---|---|---|
| 36 Months | 1as low as 5.74% | 1as low as 5.99% |
| 48 Months | 1as low as 6.24% | 1as low as 6.49% |
| 60 Months | 1as low as 6.24% | 1as low as 6.24% |
| 66 Months | 1as low as 6.49% | 1as low as 6.74% |
| 72 Months | 1as low as 6.49% | 1as low as 6.74% |
| 1The “as low as” rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount. | ||
Boats
Effective Date: Thursday, November 21st, 2024
| Loan Term | Rate APR* New | Rate APR* Used |
|---|---|---|
| Up to 180 Months | 1as low as 5.94% | 1as low as 6.29% |
| 1The “as low as” rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount. | ||
RVs
Effective Date: Thursday, November 21st, 2024
| Loan Term | Rate APR* New | Rate APR* Used |
|---|---|---|
| Up to 180 Months | 1as low as 5.74% | 1as low as 5.893% |
| 1The “as low as” rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount. | ||
Mortgages
Effective Date: Thursday, November 21st, 2024
| Loan Product | Rate APR* | Loan to Value (LTV) |
|---|---|---|
| 5/6 Month ARM | as low as 8.500%% | 80% |
| 5 year Adjustable Rate Mortgage. The rate is fixed for the first 5 years. After that the rate may vary annually and the payment may increase or decrease. Variable Rate may change on a quarterly basis and it is based on the Prime Rate as published on the Wall Street Journal plus margin with a floor rate of 4.00%. Homeowners/property insurance may be required. | ||
Fixed Rate Mortgages | ||
| 30 Year | 7.000% | 80% |
| 20 Year | 7.000% | 80% |
| 15 Year | 6.500% | 80% |
| 10 Year | 6.250% | 80% |
Home Equity
Effective Date: Thursday, November 21st, 2024
| Loan Product | Rate APR* | Loan to Value (LTV) |
|---|---|---|
Home Equity "Line of Credit" (Open End-Variable Rate) | ||
| Single Family Home, Condos and Townhomes | as low as 6.75% up to 18.00% | Up to 80% |
| Variable Rate may change on a quarterly basis and it is based on the Prime Rate as published on the Wall Street Journal plus margin with a floor rate of 4.00%. Closing costs typically range between $900 – $3,000 (Currently the CU gives you a credit of $500 for loans up to $75,000 and a credit of $1,000 for loans greater than $75,000). There are no membership fees or annual fees associated with this type of loan. Homeowners/property insurance may be required. | ||
Home Equity (Closed End – Fixed Rate) | ||
| Single Family Home, Condos and Townhomes | as low as 5.75% | Up to 80% |
*APR – Annual Percentage Rate. Consumer loan rates, which are subject to change without notice, may vary with respect to your credit history, the model year of the vehicle, the term of the loan and loan to value. Annual Percentage Rate is subject to credit union guidelines.
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