Loan Rates
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Effective Date 10/16/2025
New/Used Vehicle Loans, Model Year 2021 & Newer
(2021 and Newer)
2021-2022: Maximum 6-Year Term
2023-2025: Maximum 7-Year Term
Terms available vary based on model year of vehicle.
| Term | APR* | Payment per $1,000. |
|---|---|---|
| 36 Months | $ | |
| 48 Months | $ | |
| 60 Months | $ | |
| 72 Months | $ | |
| 84 Months | $ |
*Terms may vary, subject to qualification
Vehicle Loans, Model Year Older Than 2021
| Term | APR* | Payment per $1,000. |
|---|---|---|
| 36 Months | $ | |
| 48 Months | $ | |
| 60 Months | $ | |
*Terms may vary, subject to qualification
First Mortgage Loans
| Term | Rate | APR* | Payment |
|---|---|---|---|
| 15 years | Payment per $1,000 = $ | ||
| 20 years | Payment per $1,000 = $ | ||
| 30 years | Payment per $1,000 = $ |
*Call for additional details
*The payments do not include amounts for taxes and insurance premiums, if applicable, and the actual payment obligation will be greater.
Fixed-Rate Equity Loan
Second/Junior Mortgages
| Term | Rate | APR* | Payment per $1,000. |
|---|---|---|---|
| 5 years | $ | ||
| 10 years | $ | ||
| 15 years | $ | ||
| 20 years | $ |
Home Equity Lines of Credit
Current Rate: 7.50% APR (Variable Rate)
Rate = Prime Rate + 0%
All terms subject to underwriting criteria and may not be available to all borrowers.
Payment options vary; contact your loan officer for more information.
Mobile Homes
| Term | Rate | APR* | Payment per $1,000. |
|---|---|---|---|
| 10 years | $ | ||
| 15 years | $ | ||
| 20 years | $ |
Maximum LTV 80%
*Call for additional details
Mobile Homes In A Park
*Rates and terms dependent upon age of collateral
*Subject to qualification
*The payments do not include amounts for taxes and insurance premiums, if applicable, and the actual payment obligation will be greater.
| Term | Rate | APR* | Payment per $1,000. |
|---|---|---|---|
| 5 years | $ | ||
| 10 years | $ | ||
| 20 years | $ |
Camps/Vacation Homes
| Term | Rate | APR* | Payment per $1,000. |
|---|---|---|---|
| 10 years | $ | ||
| 15 years | $ | ||
| 20 years | $ |
*The payments do not include amounts for taxes and insurance premiums, if applicable, and the actual payment obligation will be greater.
No Equity Home Improvement
Maximum loan amount is $20,000.
| Term | Rate | APR* | Payment per $1,000. |
|---|---|---|---|
| Up to 10 years | Payment Per $1,000 = $ |
*Terms may vary, subject to qualification
*The payments do not include amounts for taxes and insurance premiums, if applicable, and the actual payment obligation will be greater.
Land Loans
| Term | Rate | APR* | Payment per $1,000. |
|---|---|---|---|
| 8 years | $ | ||
| 10 years | $ | ||
| 15 years | $ |
*Terms may vary, subject to qualification
*The payments do not include amounts for taxes and insurance premiums, if applicable, and the actual payment obligation will be greater.
Preferred Credit Line
| Term | Rate | Payment |
|---|---|---|
| Revolving | Prime + | of outstanding balance as of last advance, or $35 whichever is greater. |
Personal
*Terms may vary, subject to qualification
*Longer terms may be available. See us for details.
| Term | APR* | Payment per $1,000. |
|---|---|---|
| 12 Months | $ | |
| 24 Months | 10.99% | $46.61 |
| 36 Months | 10.99% | $32.74 |
| 48 Months | 11.99% | $26.34 |
| 60 Months | $ |
Checking Overdraft Protection
| Term | APR* | Payment |
|---|---|---|
| Open ended | of outstanding balance, or $35 whichever is greater |
Motorhomes
| Term | APR* | Payment per $1,000. |
|---|---|---|
| 60 Months | $ | |
| 120 Months | $ |
*Add .50% on model years older than 2020
*Terms may vary, subject to qualification
*Up to 80% Loan to Value
Motorcycles, ATVs, & Snowmobiles
| Term | APR* | Payment per $1,000. |
|---|---|---|
| Up to 72 Months | 5.99 | $16.58 |
*Terms may vary, subject to qualification
Campers, Travel Trailers, & Boats
| Term | APR* | Payment per $1,000. |
|---|---|---|
| 60 Months | $ | |
| 72 Months | $ | |
| 120 Months | 6.99% | $11.62 |
*Add .50% on model years older than 2021
*Terms may vary, subject to qualification
Pledged Loan - Share Account
| Term | APR* | Payment per $1,000. |
|---|---|---|
| 60 Months | $ | |
| 120 Months | $ | |
| 180 Months | $ |
Pledged Loan - Money Market Account
| Term | APR* | Payment per $1,000. |
|---|---|---|
| 60 Months | $ | |
| 120 Months | $ | |
| 180 Months | $ |
Pledged Loan - Certificate
| Term | APR* | Payment per $1,000. |
|---|---|---|
| 60 Months | $ | |
| 120 Months | $ | |
| 180 Months | $ |
*For rates on other types of loans, please contact the Credit Union
*All rates are subject to change without notice
