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New or Used Auto Loan Rates

Effective July 31, 2018
TermDown PaymentAPR*
24 months0% down1.99% - 14.25%
25 - 36 months0% down1.99% - 14.50%
37 - 48 months0% down1.99% - 14.75%
49 - 66 months0% down1.99% - 15.00%
67 - 72 months0% down5.50% - 6.75%
73 - 84 months0% down6.00% - 7.25%
24 months10% down2.89% - 13.75%
25 - 36 months10% down2.89% - 14.00%
37 - 48 months10% down1.99% - 14.25%
49 - 66 months10% down1.99% - 14.50%
67 - 72 months10% down5.00% - 12.75%
73 - 84 months10% down5.50% - 6.75%

Visa Credit Card Rates

Effective July 31, 2018
Interest Rate and Charges
Annual Percentage Rate (APR) for PurchasesVISA CLASSIC:
13.50%
VISA SECURED:
11.00%
Annual Percentage Rate (APR) for Balance TransfersVISA CLASSIC:
13.50%
VISA SECURED:
11.00%
Annual Percentage Rate (APR) for Cash AdvancesVISA CLASSIC:
13.50%
VISA SECURED:
11.00%
Paying InterestWe will not charge You interest on purchases if You pay Your entire balance owed each month within 25 days of Your statement closing date. We will begin charging interest on cash advances and balance transfers on the transaction date.
For Credit Card Tips from the Federal Reserve BoardTo learn more about factors to consider when applying for or using a Credit Card, visit the website of the Federal Reserve Board at http://www.federalreserve.gov/creditcard.
Annual Fee$15.00$15.00
Late Payment Fee$30.00 after
15 days
$30.00 after
15 days
Returned Check Fee$30.00$30.00

Home Equity Lines of Credit (Variable Rate)

Effective July 31, 2018
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

Effective July 31, 2018
1st Position Lien70% Equity APRMax. Loan 80% Equity APRMax. Loan
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
Effective July 31, 2018
2nd Position Lien70% 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

Personal Lending Rates

Effective July 31, 2018
Loan TypeTermAPR*Loan Amount
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.

Secured Lending Rates

Effective July 31, 2018
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

Boat & Plane Loan Rates

Effective July 31, 2018
Loan TypeTermAPR*Loan Amount
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.

*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 2.18% Wall Street Journal Prime 5.00%