| Rate Center
| Loan Rates
As of February 1, 2010 - Click here to apply for a loan
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A+ paper = 731  |
Stated rate |
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A paper = 730-680 |
+ .25% |
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B paper = 679-630 |
+ 1.25% |
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C paper = 629-600 |
+ 3.75% |
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D paper = 599  |
+ 6.25% |
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Rate Discounts* include .25% off for auto transfer, .25% off for having a checking account, .25% off for having a credit card with us or applying for a credit card, and .25% off for having an additional credit union product.
*Rate discounts excluded from CredSee Credit Card AddendumSee Credit Card Addendumit Cards, Mortgage, Home Equity, and Share Secured Loans.
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Autos (New) |
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Up to 100% of MSRP |
5.75% up to 60 months |
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6.00% up to 72 months
(MSRP over $17,000) |
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Autos (Used)* |
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2007-2009 |
5.75% up to 60 months
(100% of Retail) |
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2004-2006 |
5.75% up to 48 months
(100% of Retail) |
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2003 and older |
5.75% up to 36 months
(100% of Retail) |
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* A and B paper only may finance up to 100% of retail. C and D paper must put 10% cash down. |
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Boats (New) |
5.75% up to 60 months |
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Up to 100% of MSRP |
5.75% up to 84 months
(MSRP over $25,000) |
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Boats (Used) |
5.75% up to 60 months |
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Up to 85% of Retail |
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Home Equity |
5.25% up to 60 months |
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Up to 80% of Appraised
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5.50% up to 120 months |
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Value |
5.85% up to 180 months |
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Home Improvement |
8.15% up to 60 months |
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Up to 90% LTV |
8.75% up to 144 months |
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Interim Construction |
7.00% up to 9 months |
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Line of Credit |
9.50% up to 36 months |
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Motorcycles/ATVs (New and Used) |
6.00% up to 100% of MSRP on New |
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NADA loan value on Used |
6.00% up to 72 months >$17,000.00 |
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Motor Homes (New and Used) |
5.75% up to 60 months |
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Up to 100% of Retail on New |
6.00% up to 90 months |
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Up to 85% of Retail on Used |
7.25% up to 60 months |
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Share Secured |
2.00% above share rate
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up to 36 months
3.00% above share rate
up to 60 months |
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4.00% above share rate
up to 120 months |
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CD Secured
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2.00% above CD rate
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100% of principal and interest to be held |
up to 120 months |
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Signature |
9.15% up to 24 months |
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Up to $10,000 |
10.65% up to 60 months |
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Special Signature |
8.25% up to 12 months |
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Up to $2,500 |
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Tractor (New and Used) |
6.90% up to 36 months |
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Up to 100% of MSRP on New |
7.90% up to 60 months |
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Up to 85% of Retail on Used |
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Unimproved Property
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6.75% up to 120 months |
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80% of LTV or LTC
(Lesser of the two) |
7.00% up to 180 months |
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All other collateral |
9.65% up to 36 months |
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Classic MasterCard and Visa |
See Credit Card Addendum |
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($0 – $2,000) |
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Platinum Visa |
See Credit Card Addendum |
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($2,000-10,000 with 4.9% APR for first 6 months) |
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A+ paper = 731 |
Stated rate |
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A paper = 730-680 |
+ .25% |
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B paper = 679-630 |
+ 1.25% |
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C paper = 629-600 |
+ 3.75% |
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D paper = 599 |
+ 6.25% |
Don't hesitate to contact us for more information about our rates.
* APR = Annual Percentage Rate. APY= Annual Percentage Yield. All Rates and terms are subject to change without notice. Lending rates are subject to credit approval. Rates may change after account is opened. Fees can reduce the earnings of deposit accounts. Penalties may apply for early withdrawal of deposits.
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