Loan Rates


OPEN END FIXED RATE:

UNSECURED/SIGNATURE:

Up to $15,000 maximum
Up to 2 years 8.90% APR
Up to 3 years 9.90% APR
Up to 4 years 10.90% APR
Up to 5 years 11.90% APR

Line of Credit: (Including Debit Card)
Incl: Open-end, Share Draft/Overdraft Protection.
Minimum pmt - Greater of 5% of balance or $25.00

Rate 11.90% APR

AUTO LOANS

NEW AUTO: 100% financing

48 months (4 yrs) 6.90% APR
60 months (5 yrs) 7.90% APR
72 months (6 yrs)(min $15,000) 9.90% APR
84 months (7 yrs)(min $30,000) 10.90% APR
96 months (8 yrs)(min $30,000) 11.90% APR

USED AUTO

Up to:
6 model years
4 years repayment term
5 years repayment term if auto is < 2 yrs old
or
With a new auto rate if it is a current year model and < 5,000 miles

4 yrs Low Blue Book 8.90 % APR
5 yrs Low Blue Book 9.25% APR
4 yrs High Blue Book 10.90% APR
5 yrs High Blue Book 11.90% APR

(PRE-APPROVED AUTO LOANS SUBJECT TO CREDIT APPROVAL)

MORTAGES/HOME EQUITY:

1ST MORTGAGE: (CUNA MORTGAGE)

Up to 30 years, 75%-80% LTV. Rates change daily.

CALL FOR RATE
APR = Annual Percentage Rate

1ST MORTGAGE (In-House)

Up to 15 & 20 year terms, a fee of 1.5% will be assessed for refinances with no additional advances, and .75% for those with $10,000 + advances.

15 Year Term:

CALL FOR RATES

20 Year Term:

CALL FOR RATES

12 year term for loans classified as "Business Mortgage"

2ND MORTGAGE

80% of value minus 1st Mortgage
10 year financing 9.25% APR
12 year financing 9.50% APR

OPEN END FIXED RATE:

75th ANNIVERSARY SPECIALS 

NEW AUTO LOANS

100% Financing. 

Up to 4 years. (48 mos) 3.50% APR 

Up to 5 years. (60 mos) 3.00% APR

Up to 6 years. (72 mos) 4.75% APR

Up to 7 years. (84 mos) 5.50% APR


USED AUTO LOAN SPECIALS!

Up to 5 year term, up to 6 model years.  

Up to 4 yr term, Low Blue Bk Fin. 4.50% APR

Up to 5 yr term, Low Blue Bk Fin. 4.00% APR

Up to 4 yr term, High Blue Bk Fin. 4.75% APR 

Up to 5 yr term, High Blue Bk Fin. 4.25% APR

(Loans must be disbursed no later than 1 month from date of approval)

SIGNATURE LOAN SPECIAL!

Up to $10,000 max.

1 YEAR (12 mos) 3.00% APR

2 YEARS (24 mos) 4.00% APR

3 YEARS (36 mos) 5.00% APR

4 YEARS (48 mos) 6.00% APR

5 YEARS (60 mos) 7.00% APR


VISA

VISA CLASSIC CARD:

Shared Secured 9.00% APR
Unsecured 11.90% APR

OPEN END - VARIABLE RATE:

SHARE SECURED:

90% Financing - Maximum term: 60 months (5 years)
Rate: 2.0% APR over Regular Share Dividend rate.

SHARE CERTIFICATE:

Variable rate - Maximum of 5 years
Rate 2.0% APR over CD Rate

EDUCATIONAL LOANS:

U.S.A Group - College Access Plan referral.
Variable Rate FFELP Rate

VACANT LAND

12 year term, 70% financing lesser of appraised value or seller's price.

County dedicated/improved residential area: 7.75% APR

HOME EQUITY

No *Fees/Closing Costs for loans up to $200,000.

Rate adjusts semi-annually on the 1st of April and October of each year.

Appraisals are required for loans $200,000 and over. (*Appraisal and Flood Certification Fees are paid by the borrower)

The payoff period is 144 monthly payments.

HOME EQUITY 1ST MORTGAGE

Maximum amount loaned: $200,000 (up to 80% of appraised value)

Rate effective: 
10/01/2011 - 3/31/2012 
4.25% APR

HOME EQUITY 2ND MORTGAGE

Maximum amount loaned: $200,000 (up to 80% of value minus 1st Mortgage)

Rate effective: 
10/01/2011 - 3/31/2012
4.25% APR
 

  • Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government