Loan Rates
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Effective Date 8/15/2026
New/Used Vehicle Loans, Model Year 2022 & Newer
(2022 and Newer)
2022-2023: Maximum 6-Year Term
2024-2026: 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 | $ |
*The payments do not include amounts for taxes and insurance premiums, if applicable, and the actual payment obligation will be greater.
Home Equity Lines of Credit
Rate = Prime Rate + 0%
Current Rate: 6.75% APR (Variable Rate)
Maximum Annual Percentage Rate will not exceed 15%
No minimum, fixed, transaction, activity, or similar charges apply.
No membership or participation fee is required for this plan.
Homeowners insurance is required.
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. |
*9.75% APR (Variable Rate)
No minimum, fixed, transaction, activity, or similar charges apply.
No membership or participation fee is required for this plan.
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
