Rates

Auto

New Auto Loans

*Rates are determined by each individual’s credit history and capacity to repay. RV represents Retail Value. Rates posted are subject to change without notice. Current rates are effective as of September 13, 2018.

Section 705 considers vehicles “new” when the vehicle is 1 year old (or less) and has under 30,000 miles on it.

Individuals with an E Credit Score can only finance up to $30,000 for a new vehicle.

New Auto Loans
Credit Rating A+ APR* A APR* B APR* C APR* D APR* E APR*
36 Months – 3 years 3.2 3.70 4.70 6.70 8.70 17.00
48 Months – 4 years 3.45 3.95 4.95 6.95 8.95 17.00
60 months – 5 years 3.70 4.20 5.20 7.20 9.20 17.00
72 months – 6 years 3.95 4.45 5.45 7.45 9.45 17.00
84 months – 7 years 4.20 4.70 5.70 7.70 9.70 NA

Pre-Owned Auto Loans

All are up to 100% Black Book RV with Gap Insurance up to 125% The price of the vehicle determines the term of the loan and APR (Annual Percentage Rate.) Section 705 only finances pre-owned vehicles between 1 year (with at least 30,00 miles) and 15 years.

Individuals with an E Credit Score can only finance up to $15,000 for a pre-owned vehicle.

Pre-Owned Auto Loans
Price of Vehicles (Term of Loan) A+ APR* A APR* B APR* C APR* D APR* E APR*
IF 1 Year Old with More than 30,000 Miles:
Up to $5.000.00 (36 Month Term)
Up to $10,000.00 (48 Month Term)
Up to $15,000.00 (60 Month Term)
Up to $25,000.00 (72 Month Term)
3.95 4.45 5.45 7.45 9.45 17.00
Up to $5,000.00 (36 Month Term) 4.25 4.75 5.75 7.75 9.75 17.00
Up to $10,000.00 (48 Month Term) 4.25 4.75 5.75 7.75 9.75 17.00
Up to $15,000.00 (60 Month Term) 4.25 4.75 5.75 7.75 9.75 NA
Up to $25,000.00 (72 Month Term) 4.25 4.75 5.75 7.75 9.75 NA
IF 11 – 15 Year-Old Pre-Owned Vehicle Up to $15,000 (48 Month Term) 5.25 5.75 6.75 8.75 10.75 17.00

*APR = Annual Percentage Rate. Rates may vary based on credit score.

 

Pre-negotiated discounts. We do the work. You save. Shop now.

 

Boat

* Rates are determined by each individual’s credit history and capacity to repay. Rates posted are subject to change without notice. Current Rates are effective as of February 23, 2018.

New Boat Loans – Up to 100% Financing

If Used as Primary Residence, Market Rates Will Apply.

New Boat Loans – Up to 100% Financing
Credit Rating A+ APR* A APR* B APR* C APR* D APR* E APR*
144 months – 12 years 5.25 5.75 6.75 8.75 10.75 17.00

Used Boat Loans –  Up to 80% NADA or Appraised Value

If Used as Primary Residence, Market Rates Will Apply.

Used Boat Loans – Up to 80% NADA or Appraised Value
Credit Rating A+ APR* A APR* B APR* C APR* D APR* E APR*
84 months – 7 years 5.50 6.00 7.00 9.00 11.00 17.00

*APR = Annual Percentage Rate. Rates may vary based on credit score.

Campers

* Rates are determined by each individual’s credit history and capacity to repay. Rates posted are subject to change without notice. Current Rates are effective as of February 23, 2018.

New Camper Loan – 100% Financing

If Used As Primary Residence, Market Rates Will Apply.

New Camper Loan – 100% Financing
Credit Rating A+ APR* A APR* B APR* C APR* D APR* E APR*
180 months – 15 years 5.0 5.5 6.5 8.5 10.5 17.00

Used Campers Loan – 90% NADA or Appraised Value If Used As Primary Residence, Market Rates Will Apply.

Used Campers Loan – 90% NADA or Appraised Value If Used As Primary Residence, Market Rates Will Apply.
Credit Rating A+ APR* A APR* B APR* C APR* D APR* E APR*
120 months – 10 years 5.25 5.75 6.75 8.75 10.75 17.00

*APR = Annual Percentage Rate. Rates may vary based on credit score.

Dividends

Current Dividend Rates are effective as of January 10, 2018.

Current Dividend Rates are effective as of January 10, 2018.
Savings Dividend Rate APY* Term
Checking 0.00 0.00 n/a
Christmas Club 0.00 0.00 n/a
Regular Share $100.00 required to earn interest 0.15 0.159 n/a
Lucky Lagniappe Savings 0.15 0.159 12 
Vacation Club 0.00 0.00 n/a
Super Green Balances $10,000 to $24,999.99 0.20 0.201 n/a
Super Green Balances $25,000 to $49,999.99 0.30 0.301 n/a
Super Green Balances $50,000 and above 0.35 0.351 n/a
IRA 0.35 0.358 n/a

*APY=Annual Percentage Yield. Annual Percentage Yield may change after account is open.  The APY is effective as of 7/1/2014 and is subject to change. Minimum deposit of $25 to open a Regular Share account. Fees may reduce earnings.

Current Dividend Rates are effective as of November 1, 2018.

Certificates
Certificates Dividend Rate APY* Term
Share Certificates – 100.00 * 0.25 .236 3
Share Certificates – 500.00* 0.50 0.504 6
Share Certificates – 500.00 * 1.75 1.76 12
Share Certificates – 1000.00 * 0.70 0.703 18
Share Certificates – 1000.00 * 2.00 2.01 24
Share Certificates – 2500.00 * 1.00 1.005 36
Share Certificates – 2500.00 * 1.10 1.106 48
Share Certificates – $25,000.00 * 2.00 2.01 12
Share Certificates – $50,000.00 * 2.40 2.42 18

*APY=Annual Percentage Yield
* = Minimum Opening Deposit Required

Penalties will be imposed for early withdrawal. See fee schedule for details. Fees may reduce earnings. 

 

Mobile Home

New Mobile Home Loan – Up to 80% of Selling Price Including TT&L, Max Amount $50,000.00.

New Mobile Home Loan – Up to 80% of Selling Price Including TT&L, Max Amount $50,000.00.
Credit Rating A+ APR* A APR* B APR* C APR* D APR* E APR*
240 months – 20 Years Market Rate

Used Mobile Home Loan – Up to 70% of Book Value. Rates Are Dependent On Market.

Used Mobile Home Loan – Up to 70% of Book Value. Rates Are Dependent On Market.
Credit Rating A+ APR* A APR* B APR* C APR* D APR* E APR*
180 Months – 15 Years Market Rate

*APR=Annual Percentage Rate

*APR will not increase after consummation of above loans

*Rates may vary according to credit worthiness

Mortgage

Mortgage

The credit union will loan up to 80% of appraised value of property. Certain qualifications do apply. Rates are dependent on market. Call to talk to one of our mortgage officers for more information. Current rates are effective as of February 23, 2018.

Mortgage
Credit Rating A+ APR* A APR* B APR* C APR* D APR* E APR*
10 Years, Vacant Properties 3.24 3.74 4.74 6.74 8.74 17.00
15 Years, No Points Market Rate
20 Years, No Points Market Rate
25 Years, No Points Market Rate
30 Years, No Points Market Rate

*APR = Annual Percentage Rate. Rates may vary based on credit score.

Motorcycle

* Rates are determined by each individual’s credit history and capacity to repay. RV represents Retail Value. Rates posted are subject to change without notice. Current Rates are effective as of September 13, 2018.

New Motorcycle Loan – 100% Financing

New Motorcycle Loan – 100% Financing
Credit Rating A+ APR* A APR* B APR* C APR* D APR* E APR*
84 months – 7 years 4.00 4.5 5.5 7.5 9.5 17.00

Used Motorcycle Loan – Up to 100% NADA Retail Value

Used Motorcycle Loan – Up to 100% NADA Retail Value
Credit Rating A+ APR* A APR* B APR* C APR* D APR* E APR*
60 months – 5 years 4.75 5.25 6.25 8.25 10.25 17.00

*APR = Annual Percentage Rate. Rates may vary based on credit score.

 

Personal

Current rates are effective as of October 1, 2018.

Personal Loan Up To $20,000.00 – Closed End

Personal Loan Up To $20,000 – Closed End
Credit Rating A+ APR* A APR* B APR* C APR* D APR* E APR*
Up to 60 months – 5 years 9.50 10.00 11.00 13.00 15.00 17.00

VISA Credit Card

VISA Credit Card
Credit Rating A+ APR* A APR* B APR* C APR* D APR* E APR*
VISA Credit Card 7.9 7.9 9.9 11.9 13.9 15.9

Personal Loan Less Than $5000 – Line of Credit

Personal Loan Less Than $5000 – Line of Credit
Credit Rating A+ APR* A APR* B APR* C APR* D APR* E APR*
Line of Credit 11.50 12.00 13.00 15.00 17.00 18.00

 

Loans
Loan Rate APR* Term
Beginner Personal Loan (No Established Credit) 9.50 9.500 6
Share Secured – 2% above regular share rate   0.000 36
Share Secured – Zero %   0.000 60
Certificate Secured   0.000 n/a

*APR=Annual Percentage Rate. Rates may vary based on credit worthiness.

Recreational Vehicle

*Rates are determined by each individual’s credit history and capacity to repay. Rates posted are subject to change without notice. Current rates effective as of February 23, 2018.

New Recreational Vehicle Loan – Up to 100% Financing

New Recreational Vehicle Loan – Up to 100% Financing
Credit Rating A+ APR* A APR* B APR* C APR* D APR* E APR*
72 months – 6 years 5.25 5.75 6.75 8.75 10.75 17.00

Used Recreational Vehicle Loan – Up to 80% NADA or Appraised Value

Used Recreational Vehicle Loan – Up to 80% NADA or Appraised Value
Credit Rating A+ APR* A APR* B APR* C APR* D APR* E APR*
60 months – 5 years 5.50 6.00 7.00 9.00 11.00 17.00

*APR = Annual Percentage Rate. Rates may vary based on credit score.