LOAN INTEREST RATES
*Annual Percentage Rate
New Auto (if you have a loan at a lower rate, we will give you .25% lower, not to be lower than our lowest rate)
Term of Loan 730+ 680-729 640-679 600-639 599 or less Minimum $ Maximum LTV
36MN 4.25% 5.25% 7.75% 8.75% 15.00% $3,500.00 110%
48MN 4.25% 5.25% 7.75% 9.00% 15.00% $5,000.00 110%
60MN 4.25% 5.25% 7.75% 9.25% 15.00% $10,000.00 110%
72MN 4.65% 5.65% 8.50% 9.50% 15.00% $15,000.00 110%
84MN 5.75% 6.75% 8.65% 11.00% 16.00% $25,000.00 100%
Used Auto ** (if you have a loan at a lower rate, we will give you .25% lower, not to be lower than our lowest rate)
Term of Loan 730+ 680-729 640-679 600-639 599 or less Minimum $ Maximum LTV
36MN 4.25% 5.25% 7.75% 8.75% 15.00% $3,500.00 110% of low KBB
48MN 4.25% 5.25% 7.75% 9.00% 15.00% $5,000.00 110% of low KBB
60MN 4.25% 5.25% 7.75% 9.25% 15.00% $10,000.00 110% of low KBB
72MN 4.65% 5.65% 8.50% 9.50% 15.00% $15,000.00 110% of low KBB
84MN 5.75% 6.75% 8.65% 11.00% 16.00% $25,000.00 100% of low KBB
**Note-Vehicles 6 years or older or over 60,000 miles--add2%
The following rates include all new and used motorcycles, motor homes, and boats, etc.**
Term of Loan 730+ 680-729 640-679 600-639 599 or less
36MN 4.74% 5.74% 6.74% 10.75% 16.00%
48MN 4.74% 5.74% 6.74% 10.75% 16.00%
60MN 4.74% 5.74% 6.74% 10.75% 16.00%
72MN 5.74% 6.74% 7.74% 11.75% 16.00%
84MN 6.74% 7.24% 8.24% 12.25% 16.00%
For new and used motor homes and travel trailers only
96MN 7.24% 7.74% 8.74% 12.75% 16.00%
108MN 7.74% 8.25% 9.24% 13.25% 16.00%
120MN 8.24% 8.74% 9.74% 13.75% 16.00%
**Note-Vehicles 6 years or older or over 60,000 miles--add2%
FICO SCORES Unsecured Holiday & Vacation
751 and above 6.50% 6.50%
Loan limit: $1,500.00
12 mns
730-750 7.50% 7.50%
Loan limit: $1,500.00
12 mns
680-729 9.50% 9.50%
Loan limit: $1,500.00
12 mns
640-679 12.50% 12.50%
Loan limit: $1,500.00
12 mns
600-639 14.50% 14.50%
Loan limit: $1,500.00
12 mns
599 or less 16.00% 16.00%
Loan Limit $1,500.00
12 mns
Members with a minimum of one year of service may borrow up to $5,000-36mns.
Members with three years of service may borrow up to $10,000-36mns.
Members with five years of service may borrow up to $15,000-48mns.
Members with seven years of service may borrow up to $20,000-60mns
Rates may change at any time as determined by the Credit Union Board of Directors.
*Annual Percentage Rate
New Auto (if you have a loan at a lower rate, we will give you .25% lower, not to be lower than our lowest rate)
Term of Loan 730+ 680-729 640-679 600-639 599 or less Minimum $ Maximum LTV
36MN 4.25% 5.25% 7.75% 8.75% 15.00% $3,500.00 110%
48MN 4.25% 5.25% 7.75% 9.00% 15.00% $5,000.00 110%
60MN 4.25% 5.25% 7.75% 9.25% 15.00% $10,000.00 110%
72MN 4.65% 5.65% 8.50% 9.50% 15.00% $15,000.00 110%
84MN 5.75% 6.75% 8.65% 11.00% 16.00% $25,000.00 100%
Used Auto ** (if you have a loan at a lower rate, we will give you .25% lower, not to be lower than our lowest rate)
Term of Loan 730+ 680-729 640-679 600-639 599 or less Minimum $ Maximum LTV
36MN 4.25% 5.25% 7.75% 8.75% 15.00% $3,500.00 110% of low KBB
48MN 4.25% 5.25% 7.75% 9.00% 15.00% $5,000.00 110% of low KBB
60MN 4.25% 5.25% 7.75% 9.25% 15.00% $10,000.00 110% of low KBB
72MN 4.65% 5.65% 8.50% 9.50% 15.00% $15,000.00 110% of low KBB
84MN 5.75% 6.75% 8.65% 11.00% 16.00% $25,000.00 100% of low KBB
**Note-Vehicles 6 years or older or over 60,000 miles--add2%
The following rates include all new and used motorcycles, motor homes, and boats, etc.**
Term of Loan 730+ 680-729 640-679 600-639 599 or less
36MN 4.74% 5.74% 6.74% 10.75% 16.00%
48MN 4.74% 5.74% 6.74% 10.75% 16.00%
60MN 4.74% 5.74% 6.74% 10.75% 16.00%
72MN 5.74% 6.74% 7.74% 11.75% 16.00%
84MN 6.74% 7.24% 8.24% 12.25% 16.00%
For new and used motor homes and travel trailers only
96MN 7.24% 7.74% 8.74% 12.75% 16.00%
108MN 7.74% 8.25% 9.24% 13.25% 16.00%
120MN 8.24% 8.74% 9.74% 13.75% 16.00%
**Note-Vehicles 6 years or older or over 60,000 miles--add2%
FICO SCORES Unsecured Holiday & Vacation
751 and above 6.50% 6.50%
Loan limit: $1,500.00
12 mns
730-750 7.50% 7.50%
Loan limit: $1,500.00
12 mns
680-729 9.50% 9.50%
Loan limit: $1,500.00
12 mns
640-679 12.50% 12.50%
Loan limit: $1,500.00
12 mns
600-639 14.50% 14.50%
Loan limit: $1,500.00
12 mns
599 or less 16.00% 16.00%
Loan Limit $1,500.00
12 mns
Members with a minimum of one year of service may borrow up to $5,000-36mns.
Members with three years of service may borrow up to $10,000-36mns.
Members with five years of service may borrow up to $15,000-48mns.
Members with seven years of service may borrow up to $20,000-60mns
Rates may change at any time as determined by the Credit Union Board of Directors.
