Loan Rates

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Effective December 5, 2017

Vehicle Loans

Loan TypeTermAPR*Down Payment
Autos New or Used**24 months1.99% - 14.25%0% down
 25 - 36 months1.99% - 14.50%0% down
 37 - 48 months1.99% - 14.75%0% down
 49 - 66 months1.99% - 15.00%0% down
 67 - 72 months5.50% - 6.75%0% down
 73 - 84 months6.00% - 7.25%0% down
Autos New or Used**24 months2.89% - 13.75%10% down
 25 - 36 months2.89% - 14.00%10% down
 37 - 48 months1.99% - 14.25%10% down
 49 - 66 months1.99% - 14.50%10% down
 67 - 72 months5.00% - 12.75%10% down
 73 - 84 months5.50% - 6.75%10% down
Other Vehicles 24 months5.50% - 15.25%0% down
 25 - 36 months5.50% - 15.50%0% down
 37 - 48 months5.50% - 15.75%0% down
 49 - 60 months5.50% - 16.00%0% down
 61 - 72 months6.50% - 7.75%0% down
 73 - 84 months7.00% - 8.25%0% down
 24 months5.00% - 14.75%10% down
 25 - 36 months5.00% - 15.00%10% down
 37 - 48 months5.00% - 15.25%10% down
 49 - 60 months5.00% - 15.50%10% down
 61 - 72 months6.00% - 13.75%10% down
 73 - 84 months6.50% - 7.75%10% down

Home Equity Lines of Credit (Variable Rate)

Borrower70% Equity APR70% Equity Max.80% Equity APR80% Equity Max.
A+ BorrowerPrime plus 1.0%$125,000.00Prime plus 1.25%$100,000.00
A BorrowerPrime plus 1.25%$100,000.00Prime plus 1.50%$75,000.00
Established MemberPrime plus 1.50%$75,000.00Prime plus 1.75%$50,000.00

Home Equity Fixed Rate Loans

Borrower70% Equity APRMax. Loan 80% Equity APRMax. Loan
1st POSITION LIEN
A+ Borrower4.75%$350,000.005.00%$350,000.00
A Borrower5.00%$325,000.005.25%$325,000.00
Established Member5.25%$200,000.005.50%$200,000.00
Credit Builder6.75%$150,000.007.00%$150,000.00
Borrower70% Equity APRMax. Loan 80% Equity APRMax. Loan
2nd POSITION LIEN
Borrower70% Equity APRMax. Loan 80% Equity APRMax. Loan
A+ Borrower5.50%$150,000.005.75%$150,000.00
A Borrower5.75%$125,000.006.00%$125,000.00
Established Member6.00%$100,000.006.25%$100,000.00
Credit Builder7.50%$50,000.007.75%$50,000.00

Other Loans

Loan TypeTermAPR*Loan Amount
Share Secured1-5 Years3.50%Based on Collateral
Share Secured > 5 Years3.75%Based on Collateral
Certificate SecuredVaries2% above certificate rateBased on Collateral
Personal LoanVaries7.75% - 17.00%$16,000.00 max.
Quick Silver Line of CreditRevolving15.25% - 17.75%$7,500.00 max.
Educational LoanVaries7.25% - 14.25%$12,000.00 max.
VISA Cards (Secured)Revolving11.00%$15,000.00 max.
VISA Cards (Unsecured)Revolving13.50%$7,500.00 max.
Individual Retirement Varies15.00%
*APR= Annual Percentage Rate LTV=Loan to Value Ratio
All rates and terms are based on an evaluation of each member’s credit history‚ loan-to-value (LTV) payment type, loan amount‚ and loan purpose‚ so your rate and terms may differ. All loans are subject to credit approval.
Auto Loans
Financing of Tax and Tags for Autos is subject to approval.
Home Equity Loans
Fixed or Variable Rate Home Equity Mortgages are available for primary residences only. Mortgage Insurance is required on all mortgage loans. Fees: Application fee $75.00. Origination fee $300.00. You must also pay certain fees to third parties. An itemization of these fees can be supplied upon request.
Home Equity Fixed Rate and Term Rate is fixed for 240 months
Fixed Rate Payment Example If you had and outstanding balance of $150‚000 the repayment of principal and interest would be 240 equal monthly installments of $1‚053.11.
Home Equity Line of Credit Variable Rate Mortgages — The rate is variable‚ and your APR may increase. The Annual Percentage Rate is based on the value of an index. The index is the Prime Rate as published in the Money Rates Section of The Wall Street Journal on the first business day of each month. To determine the Annual Percentage Rate that will apply to your line of credit‚ we add a margin to the value of the index. Ask us for the current index value‚ margin and Annual Percentage Rate.
Term — Total 240 months; Credit Advances or Draw Period 84 months‚ Repayment 156 months
Your Annual Percentage Rate can change on the 1st day of each month. Your interest rate cannot increase or decrease more than 1.00 percentage point each month. The maximum ANNUAL PERCENTAGE RATE at any time is 18.00%.
All loan rates and terms are based on an evaluation of each member’s credit history‚ payment type‚ loan amount and loan purpose‚ so your rate and terms may differ. All loans are subject to credit approval.
Maximum Rate And Payment Examples If you had an outstanding balance of $10,000 during the draw period‚ the minimum payment at the maximum ANNUAL PERCENTAGE RATE of 18.00% would be $154.35.
If you had an outstanding balance of $10,000 during the repayment period‚ the minimum payment at the maximum ANNUAL PERCENTAGE RATE of 18.00% would be $154.35.
Direct Deposit and/or Payroll Deduction required for C and D Borrowers
Indices 26 Week T-Bill Rate 1.42% Wall Street Journal Prime 4.25%