Credit Union Advantage

Loan Rates


Our members financial security and future are important to us. We provide the most competitive loan rates available and offer the “right loan” for your financial needs. We look forward to helping you!

New Auto Loans: Model Years 2016 and Newer
Terms*
in months
Minumum Loan
Amount
APR**
730+ A+
Up to 36 $500 1.99%
37 - 48 $5,000 2.24%
49 - 60 $10,000 2.49%
61 - 72 $15,000 2.74%
73 - 84 $20,000 2.99%
85 - 96 $30,000 3.49%

Loan value for New Auto based on MSRP
Loan value for Used Autos based on NADA Clean Retail Value


New Auto Loans: Model Years 2010 - 2015
Terms*
in months
Minumum Loan
Amount
APR**
730+ A+
Up to 36 $500 2.24%
37 - 48 $5,000 2.49%
49 - 60 $10,000 2.74%
61 - 72 $15,000 2.99%
73 - 84 $20,000 3.49%
85 - 96 $30,000 3.99%

New Auto Loans: Model Years 2009 and older
Terms*
in months
Minumum Loan
Amount
APR**
730+ A+
Up to 36 $500 4.50%
37 - 48 $5,000 4.75%
49 - 60 $10,000 5.00%

Personal Loans (Signature) - over $15,000
Terms*
in months
Minumum Loan
Amount
APR**
730+ A+
Up to 36 $15,000 9.49%
37 - 48 $15,000 9.99%
49 - 60 $15,000 10.49%

* Terms may be extended by up to 6 months for members adding Credit Life, Credit Disability,
or GAP to their loan.


Overdraft Line of Credit
Terms*
in months
Minumum Loan
Amount
APR**
730+ A+
N/A $250 15.00%

Revolving Line of Credit
Terms*
in months
Minumum Loan
Amount
APR**
730+ A+
N/A $250 15.00%

Opportunity Loan
Terms*
in months
Minumum Loan
Amount
APR**
730+ A+
6 $500 N/A
12 $500 N/A

Share Secured Loan
Terms*
in months
Minumum Loan
Amount
APR**
730+ A+
up to 144 $250 3.99%

Certificate Secured Loan
Terms*
in months
Minumum Loan
Amount
APR**
730+ A+
up to 144 N/A Rate issued at 2% over rate of pledged certificate

VISA
Terms*
in months
Minumum Loan
Amount
APR**
730+ A+
up to 144 $250 9.99%

Secured VISA
Terms*
in months
Minumum Loan
Amount
APR**
730+ A+
up to 144 $250 9.99%

Home Equity Line of Credit
Terms*
in months
Minumum Loan
Amount
APR**
730+ A+
up to 240 N/A 5.00%

Ten year draw; ten year payoff
Variable rate can change annually at 2% over prime


Home Equity - Fixed Rate
Terms*
in months
Minumum Loan
Amount
APR**
730+ A+
up to 120 N/A 4.00%
121 -180 N/A 5.00%

1st Quarter Loan Promotion
$5,000 Personal Loan at 5%
Up to 60 months

**APR = Annual Percentage Rate, based on individual credit history. Rates effective as of 11/01/2018 and subject to change.