Loan Rates
| Secured Loans | Effective January 28, 2025 | |
|---|---|---|
| Share Secured Loans | Term | APR* |
| 0 - 36 Months | 3.00% | |
37 - 72 Months | 3.50% | |
| Certificate Secured Loans | Term | APR* |
| 0 - 36 Months | 4.35% | |
| 37 - 72 Months | 4.85% | |
Share-Secured and Certificate-Secured loans up to72 months for up to are available by using an equal amount as collateral from either regular shares or certificates of deposit.
| Vehicles (Cars and Trucks) | Effective January 28, 2025 | |
|---|---|---|
| New Vehicles (2024-2025) | Term | APR* |
| Three Months Young or Never Titled No Down Payment Required | 36 Months | 5.45% |
| 48 Months | 5.45% | |
60 Months |
5.65% |
|
72 Months |
5.75% |
|
| 84 Months | 5.85% | |
| Used Vehicles (2023-2025) | Term | APR* |
| Not to exceed NADA retail value. | 36 Months |
6.00% |
48 Months |
6.00% | |
| 60 Months | 6.10% | |
| 72 Months | 6.20% | |
| 84 Months | 6.35% | |
| Used Vehicles (2020-2022) | Term | APR* |
| Not to exceed NADA retail value. | 48 Months |
6.40% |
60 Months |
6.55% | |
| 72 Months | 6.75% | |
| Used Vehicles (2019 & Older) | Term | APR* |
| Not to exceed NADA retail value. | Up To 60 Months | 7.75% |
Note: Any vehicle already owned by a member and being used as collateral, or any vehicle 2014 or older , is subject to credit union inspection. *"Best" rate offer applies to qualified members based on debt-ratio and credit score. Actual rate offered may be higher. Contact the credit union for details.
| Motorcycles | Effective January 28, 2025 | |
|---|---|---|
| New Motorcycles (2024-2025) | Term | APR* |
| Three Months Young or Never Titled No Down Payment Required |
48 Months | 6.00% |
| 60 Months | 6.20% | |
| Used Motorcycles (2024 & Older) | Term | APR* |
| Not to exceed NADA retail value. | 48 Months | 6.40% |
| 60 Months | 6.50% | |
| Long Term Boats & RVs | Effective January 28, 2025 | |
|---|---|---|
| New Boats & RVs (2024-2025) | Term | APR* |
| Minimum Loan $15,000 - Maximum Loan $75,000 Not to exceed NADA retail value. |
84 Months | 7.50% |
| 96 Months | 7.65% | |
| Used Boats & RVs (2023-2025) | Term | APR* |
| Minimum Loan $10,000 - Maximum Loan $50,000 Not to exceed NADA retail value. |
72 Months | 8.00% |
| 96 Months | 8.25% | |
| Used Boats & RVs (2020-2022) | Term | APR* |
| Minimum Loan $10,000 - Maximum Loan $50,000 Not to exceed NADA retail value. |
72 Months | 8.50% |
| 96 Months | 8.70% | |
| Used Boats & RVs (2019 & Older) | Term | APR* |
| Minimum Loan $7,500 - Maximum Loan $30,000 Not to exceed NADA retail value. |
Up To 72 Months | 8.99% |
Some special requirements may apply to long-term boat and RV loans. Please call the L.E.O. office for additional information. Longer terms may be approved by the Board.
| Home Improvement Loans | Effective January 28, 2025 | |
|---|---|---|
| Term | APR* | |
| Maximum Loan $7,500 | Up To 60 Months | 9.75% |
| Signature Loans | Effective January 28, 2025 | |
|---|---|---|
Minimum Of $500 Including Adding To Existing Loan
10.99% APR* - $50.00 Minimum Monthly Loan Payment. |
||
| Years of Continuous Employment | Loan Limits | Terms |
| 3 Months To 1 Year | $1000.00 | up to 18 Months |
| 1 To 3 Years | $2000.00 | 18 Months |
| 3 To 5 Years | $3000.00 | 24 Months |
| 5 To 10 Years | $4000.00 | 30 Months |
| 10 To 15 Years | $5000.00 | 36 Months |
| 15 Years & Over | $6000.00 | 42 Months |
*"Best" rate offer applies to qualified members based on debt-ratio and credit score. Actual rate offered may be higher. Contact the credit union for details.