Rates

Loan Rates*

NSF Fee $30.00
Stop Payment on a draft – $30.00
ATM Card replacement – $20.00
Loan processing fee – $25.00

*All rates are subject to change without notice.

TypeTermScore: ABCDE
UnsecuredUp to 60 months11.50%12.00%12.50%13.50%14.50%
Better Choice90 days – $500 maximum18.0%    
New Auto LoanUp to 72 months3.50% APR4.0%4.50%5.0%5.5%
Used Auto LoanUp to 60 months4.50% APR5.0% APR5.50%6.0% APR6.50% APR
Recreational VehiclesUp to 72 monthsNew 6.0%Used 6.50%   

Apply for a Loan

The Credit Union utilizes a Risk-Based Lending Program to determine the credit worthiness of a loan applicant. The score will be taken from an up to date Experian credit report. We will make adjustments to the score, which will increase or decrease the score, based on the following criteria:

1. Home ownership
2. Debit ratio score (greater or less than 45%)
3. Number of years at the same employer
4. Number of years as a Credit Union member
5. Loan to be repaid with Direct Deposit or Payroll Deduction
6. Past due or charge off accounts on the credit report
7. Delinquency in the past 6 months with the Credit Union

The final score after the adjustments will determine the “paper grade” a loan will receive. Each paper grade is assigned an interest rate and a maximum amount the loan applicant can borrow.

For unsecured loans the maximum amounts are as follows:

ScoreMaximum Amount
A$10,000
B$7,000
C$5,000
D$3,500
E$2,500

If a loan applicant uses a co-borrower or a co-signer we will average the two credit scores and use the above criteria from each applicant to make any adjustments. A “C” paper grade will be assigned to any loan applicant that does not have a credit score.

Auto Loans also include motorcycles, RVs, titled boats, and campers.

Share Rates*

Savings Rates - Effective Monday, August 9, 2021
APYMinimum
Deposit
Minimum
Balance
REGULAR SHARE0.1% $5
OTHER SHARE0.1% $5
CHRISTMAS CLUB0.1% $5
VACATION CLUB0.1% $5
SHARE DRAFT0% $5
Certificate Rates - Effective Tuesday, May 17, 2022
Certificate TermAPYMinimum Deposit
12 MO CERTIFICATE0.25%$500
24 MO CERTIFICATE0.35%$500
36 MO CERTIFICATE0.5%$500

Calculators

Auto Loan Calculator

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Results

Amortization Calculator

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Results

Payment table will appear here.

Note: This calculator is provided only to give an estimate of your loan. Your payment schedule may vary. This calculator is based on an interest rate less than 10%. Talk to your loan representative for additional details.

Loan Calculator

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Results

Instructions

  • Type in the purchase price, number of payments (months), and annual percentage rate into the corresponding form fields.
  • Click on the button marked Calculate.
  • Your results will appear in the Results box.

Note: This calculator is provided only to give an estimate of your loan. Your monthly payment and total amount paid may vary. Talk to your loan representative for additional details.

Investment Yield Calculator

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