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One of the best benefits of credit union membership is lower loan rates.


New Auto, Truck & Motorcycle Loan Rates

Effective Dec 1, 2019Print

Term APR* Est. Monthly Payment
per $1000
Up to 36 Months 3.00% $29.20/36 Mos.
Up to 48 Months 3.15% $22.36/48 Mos.
Up to 60 Months 3.35% $18.24/60 Mos.**
Up to 72 Months 3.55% $15.58/72 Mos.
Up to 84 Months 3.95% $13.91/84 Mos.
*APR = Annual Percentage Rate. Applications are subject to credit approval, and actual rate is based on your credit. All rates are subject to change without prior notice. Rates shown are our Platinum Loan Rates. Other restrictions and discounts may apply.
**Monthly payment example: A loan of $20,000 financed for 60 months would be $18.24 x 20 = $364.80 per month; your loan will have a total cost of $21,888.00 ($364.80 x 60).

Used Auto, Truck & Motorcycle Loan Rates

Effective Dec 1, 2019Print

Term APR* Est. Monthly Payment
per $1000
Up to 36 Months 3.25% $29.30/36 Mos.
Up to 48 Months 3.40% $22.41/48 Mos.
Up to 60 Months 3.60% $18.36/60 Mos.**
Up to 72 Months 3.80% $15.72/72 Mos.
Up to 84 Months 4.20% $14.02/84 Mos.
*APR = Annual Percentage Rate. Applications are subject to credit approval, and actual rate is based on your credit. All rates are subject to change without prior notice. Rates shown are our Platinum Loan Rates. Other restrictions and discounts may apply.
**Monthly payment example: A loan of $20,000 financed for 60 months would be $18.24 x 20 = $364.80 per month; your loan will have a total cost of $21,888.00 ($364.80 x 60).

New Boat & Recreational Vehicle Loan Rates

Effective Dec 1, 2019Print

Term APR* Est. Monthly Payment
per $1000
Up to 36 Months 4.50% $29.76/36 Mos.
Up to 48 Months 4.75% $22.93/48 Mos.
Up to 60 Months 5.00% $18.88/60 Mos.**
Up to 72 Months 5.35% $16.28/72 Mos.
Up to 84 Months 5.75% $14.50/84 Mos.
Up to 120 Months 6.25% $11.24/120 Mos.
Up to 180 Months 7.50% $9.28/180 Mos.
*APR = Annual Percentage Rate. Applications are subject to credit approval, and actual rate is based on your credit. All rates are subject to change without prior notice. Rates shown are our Platinum Loan Rates. Other restrictions and discounts may apply.
**Monthly payment example: A loan of $20,000 financed for 60 months would be $18.88 x 20 = $377.60 per month; your loan will have a total cost of $22,656.00 ($377.60 x 60).

Used Boat & Recreational Vehicle Loan Rates

Effective Dec 1, 2019Print

Term APR* Est. Monthly Payment
per $1000
Up to 36 Months 4.50% $29.76/36 Mos.
Up to 48 Months 4.75% $22.93/48 Mos.
Up to 60 Months 5.00% $19.00/60 Mos.**
Up to 72 Months 5.35% $16.46/72 Mos.
Up to 84 Months 5.75% $14.74/84 Mos.
Up to 120 Months 6.25% $11.23/120 Mos.
Up to 180 Months 7.50% $9.27/180 Mos.
*APR = Annual Percentage Rate. Applications are subject to credit approval, and actual rate is based on your credit. All rates are subject to change without prior notice. Rates shown are our Platinum Loan Rates. Other restrictions and discounts may apply.
**Monthly payment example: A loan of $20,000 financed for 60 months would be $18.88 x 20 = $377.60 per month; your loan will have a total cost of $22,656.00 ($377.60 x 60).

New and Used Small RV Loan Rates

Effective Dec 1, 2019Print

Term APR* Est. Monthly Payment
per $1000
Up to 36 Months 4.50% $29.76/36 Mos.
Up to 48 Months 4.75% $22.93/48 Mos.
Up to 60 Months 5.25% $19.00/60 Mos.
Up to 72 Months 5.75% $16.46/36 Mos.
Up to 84 Months 6.25% $14.74/36 Mos.
Includes ATVs, UTVs, Snowmobiles, Dirt Bikes, Golf Carts, and Personal Watercrafts.
*APR = Annual Percentage Rate. Applications are subject to credit approval, and actual rate is based on your credit. All rates are subject to change without prior notice. Rates shown are our Platinum Loan Rates. Other restrictions and discounts may apply.
**Monthly payment example: A loan of $20,000 financed for 60 months would be $18.88 x 20 = $377.60 per month; your loan will have a total cost of $22,656.00 ($377.60 x 60).

Signature Loan Rates

Effective Dec 1, 2019Print

Term APR* Est. Monthly Payment
per $1000
Up to 24 Months 7.50% $45.00/24 Mos.
Up to 36 Months 7.50% $31.11/36 Mos.**
Up to 48 Months 7.75% $24.18/48 Mos.
Up to 60 Months 8.00% $20.28/60 Mos.
*APR = Annual Percentage Rate. Applications are subject to credit approval, and actual rate is based on your credit. All rates are subject to change without prior notice. Rates shown are our Platinum Loan Rates. Not all applicants will qualify for the lowest rate. Other restrictions and discounts may apply.
**Monthly payment example: A loan of $10,000 financed for 36 months would be $31.11 x 10 = $311.10 per month; your loan will have a total cost of $11,199.60 ($311.10 x 36).

Personal Line of Credit

Effective Dec 1, 2019Print

Term APR* Est. Monthly Payment
per $1000
N/A 10.50% N/A
*APR = Annual Percentage Rate. Applications are subject to credit approval, and actual rate is based on your credit. All rates are subject to change without prior notice. Rates shown are our Platinum Loan Rates. Other restrictions and discounts may apply.
Personal Line of Credit is reviewed on a continuous basis. Rates may change after two years to the current stated rate based on credit review and credit score.

Secured Loan Rates

Effective Dec 1, 2019Print

Loan Type Term APR* Est. Monthly Payment
per $1000
Share Secured Up to 60 Months Share Rate + 2.50% $17.79/60 Months based on .10% dividend
Share Certificate Secured Remaining Certificate Term Certificate Rate + 2.50% $17.79/60 Months based on .10% dividend
*APR = Annual Percentage Rate. Share secured loans are available at our lowest rates — just 2.5% APR over your dividend rate.
Secured funds must remain in account for the term of the loan.

Credit Builder Loan Rates

Effective Dec 1, 2019Print

Term APR* Est. Monthly Payment
per $1000
Up to 12 Months 18.00% $91.68/12 Mos.**
Up to 24 Months 18.00% $49.92/24 Mos.
*APR = Annual Percentage Rate. Applications are subject to credit approval, and actual rate is based on your credit. All rates are subject to change without prior notice. Rates shown are our Platinum Loan Rates. Not all applicants will qualify for the lowest rate. Other restrictions and discounts may apply.
**Monthly payment example: A loan of $2,000 financed for 12 months would be $91.68 x 2 = $183.36 per month; your loan will have a total cost of $2,200.32 ($183.36 x 12).

Home Equity Loan Rates

Effective Dec 1, 2019Print

Loan Type Term Margin APR* Financing Information Est. Monthly Payment
Home Equity Line of Credit Open-end -0.25 4.75% Variable Rate; Maximum Rate 18% APR* $15.00/per $1,000 Borrowed
Home Equity Loan†† Up to 10 Years 4.65% Fixed $10,000 - $250,000 $524.12 for $50,000 over 120 months
Home Equity Loan†† Up to 15 Years 4.75% Fixed $10,000 - $250,000 $394.03 for $50,000 over 180 months
*As low as. APR=Annual Percentage Rate. Actual rate may vary, is subject to change without notice and is based on applicant’s credit score. Not all applicants will qualify for the lowest rate. Loans are made only on personal residences within 150 mile radius of our main office. Property insurance required. Credit Union pays all closing costs. Repayment of closing cost required if loan is paid off within three years. Estimate of closing costs on an $80,000 Home Equity Loan are $1,500. The interest you pay may be tax deductible. Ask your tax adviser if you are eligible. Other restrictions may apply.
Home Equity Line of Credit is variable rate, open-end loan. Rate is indexed to the Wall Street Journal Prime Rate (currently 5.00% as of 9/19/2019) plus/minus any applicable margin. Not all applicants will qualify for lowest rate. Minimum loan is $10,000.
††Home Equity Loan is a fixed rate, closed-end loan with one-time disbursement.

Mastercard®

Effective Oct 31, 2019Print

Interest Rate and Interest Charges

Annual Percentage Rate (APR) for Purchases Paying Interest Mastercard:
7.25% - 18.00%
This APR will vary with the market based on the Prime Rate

Secured Mastercard:
15.00%
APR For Balance Transfers Mastercard:
1.99%
(Introductory APR for 9 months) After 9 months, you will be charged the standard APR for purchases.

Secured Mastercard:
1.99%
APR For Cash Advances Mastercard:
7.25% - 18.00%
This APR will vary with the market based on the Prime Rate

Secured Mastercard:
15.00%
How To Avoid Paying Interest On Purchases Your due date is at least 25 days after the close of each billing cycle. We will not change Your interest on purchases if You pay Your entire balance owed by the due date each month.
For Credit Card Tips from the Consumer Financial Protection BureauTo learn more about factors to consider when applying for or using a Credit Card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore.

Fees

Transaction Fees
Cash Advance

Foreign Transactions


2.00% of each cash advance

1.00% of each foreign currency transactions in U.S. Dollars
0.80% of each U.S. Dollar transaction that occurs in a foreign country
Penalty Fees
Returned Payment

Late Payment

Up to $25.00 per Returned Payment

Up to $20.00 per Late Payment
How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)." The information about the costs of the card described in this application is accurate as of December 1, 2019. This information may have changed after that date. To find out what may have changed, call us at 202-874-3210 or write to us at PO Box 23393, Washington, DC 20026
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