Loan Rates


OPEN END FIXED RATE:

UNSECURED/SIGNATURE:

Up to $15,000 maximum
Up to 2 years 9.90% APR
Up to 3 years 10.90% APR
Up to 4 years 11.90% APR
Up to 5 years 12.90% 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 years) 6.90% APR
60 months (5 years) 7.90% APR
72 months (6 years)(min $15,000) 9.90% APR
84 months (7 years)(min $30,000) 10.90% APR
96 months (8 years)(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:

NEW AUTO LOAN SPECIAL!

100% Financing.
Up to 6 years. (72 mos) 4.75% APR
Up to 7 years. (84 mos) 5.50% APR

USED AUTO LOAN SPECIAL!

Up to 5 year term, up to 5 model years

Low Blue Book Financing 5.25% APR.

High Blue Book Financing 5.50% APR.
(Loans must be disbursed no later than 1 month from date of approval)

SIGNATURE LOAN

Up to $7,000 max.
Up to 70 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: 3.0% 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 $100,000 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: 
10/01/2009 - 03/31/2010 
4.25% APR

HOME EQUITY 2ND MORTGAGE

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

Rate effective: 
10/01/2009 - 03/31/2010
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