New Auto, Truck & Motorcycle Loan Rates
Effective Sep 1, 2024
| Term |
APR* |
Est. Monthly Payment
per $1000 |
| Up to 36 Months |
5.00% |
$29.98/36 Mos. |
| Up to 48 Months |
5.00% |
$23.03/48 Mos. |
| Up to 60 Months |
5.25% |
$18.99/60 Mos. |
| Up to 72 Months |
5.75% |
$16.46/72 Mos. |
| Up to 84 Months |
6.50% |
$14.86/84 Mos. |
*APR = Annual Percentage Rate. Applications are subject to credit approval, and actual rate is based on your credit. Not all will qualify for a loan. Not all will qualify for the lowest rate. Advertised APR includes a 0.25% APR discount for automatic payments and 0.25% for payment protection. All rates are subject to change without prior notice. Other restrictions and discounts may apply.
Used Auto, Truck & Motorcycle Loan Rates
Effective Sep 1, 2024
| Term |
APR* |
Est. Monthly Payment
per $1000 |
| Up to 36 Months |
5.25% |
$30.09/36 Mos. |
| Up to 48 Months |
5.25% |
$23.15/48 Mos. |
| Up to 60 Months |
5.50% |
$19.11/60 Mos. |
| Up to 72 Months |
6.00% |
$16.58/72 Mos. |
| Up to 84 Months |
6.75% |
$14.98/84 Mos. |
*APR = Annual Percentage Rate. Applications are subject to credit approval, and actual rate is based on your credit. Not all will qualify for a loan. Not all will qualify for the lowest rate. Advertised APR includes a 0.25% APR discount for automatic payments and 0.25% for payment protection. All rates are subject to change without prior notice. Other restrictions and discounts may apply.
New Boat & Recreational Vehicle Loan Rates
Effective Sep 1, 2024
| Term |
APR* |
Est. Monthly Payment
per $1000 |
| Up to 36 Months |
7.00% |
$30.87/36 Mos. |
| Up to 48 Months |
7.00% |
$23.94/48 Mos. |
| Up to 60 Months |
7.25% |
$19.92/60 Mos. |
| Up to 72 Months |
7.50% |
$17.30/72 Mos. |
| Up to 84 Months |
8.25% |
$15.71/84 Mos. |
| Up to 120 Months |
9.75% |
$13.08/120 Mos. |
| Up to 180 Months |
10.75% |
$11.21/180 Mos. |
*APR = Annual Percentage Rate. Applications are subject to credit approval, and actual rate is based on your credit. Not all will qualify for a loan. Not all will qualify for the lowest rate. Advertised APR includes a 0.25% APR discount for automatic payments and 0.25% for payment protection. All rates are subject to change without prior notice. Other restrictions and discounts may apply.
Used Boat & Recreational Vehicle Loan Rates
Effective Sep 1, 2024
| Term |
APR* |
Est. Monthly Payment
per $1000 |
| Up to 36 Months |
7.00% |
$30.87/36 Mos. |
| Up to 48 Months |
7.00% |
$23.94/48 Mos. |
| Up to 60 Months |
7.25% |
$19.92/60 Mos. |
| Up to 72 Months |
7.50% |
$17.30/72 Mos. |
| Up to 84 Months |
8.25% |
$15.71/84 Mos. |
| Up to 120 Months |
9.75% |
$13.08/120 Mos. |
| Up to 180 Months |
10.75% |
$11.21/180 Mos. |
*APR = Annual Percentage Rate. Applications are subject to credit approval, and actual rate is based on your credit. Advertised APR includes a 0.25% APR discount for automatic payments and 0.25% for payment protection. All rates are subject to change without prior notice. Other restrictions and discounts may apply.
New and Used Small RV Loan Rates
Effective Sep 1, 2024
| Term |
APR* |
Est. Monthly Payment
per $1000 |
| Up to 36 Months |
9.0% |
$31.80/36 Mos. |
| Up to 48 Months |
9.25% |
$25.01/48 Mos. |
| Up to 60 Months |
9.50% |
$21.00/60 Mos. |
| Up to 72 Months |
10.00% |
$18.52/72 Mos. |
| Up to 84 Months |
11.00% |
$17.12/84 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. Not all will qualify for a loan. Not all will qualify for the lowest rate. Advertised APR includes a 0.25% APR discount for automatic payments and 0.25% for payment protection. All rates are subject to change without prior notice. Other restrictions and discounts may apply.
Signature Loan Rates
Effective Sep 1, 2024
| Term |
APR* |
Est. Monthly Payment
per $1000 |
| Up to 24 Months |
9.75% |
$46.03/24 Mos. |
| Up to 36 Months |
10.25% |
$32.38/36 Mos.** |
| Up to 48 Months |
10.75% |
$25.72/48 Mos. |
| Up to 60 Months |
11.75% |
$22.12/60 Mos. |
*APR = Annual Percentage Rate. Applications are subject to credit approval, and actual rate is based on your credit. Not all will qualify for a loan. Not all will qualify for the lowest rate. Advertised APR includes 0.25% discount for automatic payments and 0.25% for payment protection. All rates are subject to change without prior notice. 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 $32.38 x 10 = $323.86 per month; your loan will have a total cost of $11,658.96 ($323.86 x 36).
Personal Line of Credit
Effective Sep 1, 2024
| Term |
APR* |
Est. Monthly Payment
per $1000 |
| N/A |
11.00% |
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. 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 Sep 1, 2024
| Loan Type |
Term |
APR* |
Est. Monthly Payment
per $1000 |
| Share Secured† |
Up to 60 Months |
Share Rate + 2.50% |
$17.80/60 Months based on .10% dividend |
| Share Certificate Secured |
Remaining Certificate Term |
Certificate Rate + 2.50% |
$17.80/60 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 Sep 1, 2024
| 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 Sep 1, 2024
| Loan Type |
Term |
Margin |
APR* |
Financing Information |
Est. Monthly Payment |
| Home Equity
Line of Credit† |
Open-end |
-0.25 |
8.25% |
Variable Rate; Maximum Rate 18% APR* |
$15.00/per $1,000 Borrowed |
| Home Equity Loan†† |
Up to 10 Years |
|
6.75% Fixed |
$10,000 - $250,000 |
$575.50 for $50,000 over 120 months |
| Home Equity Loan†† |
Up to 15 Years |
|
7.00% Fixed |
$10,000 - $250,000 |
$402.06 for $50,000 over 180 months |
*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 a variable rate, open-end loan. Rate is indexed to the Wall Street Journal Prime Rate (currently 8.50% as of 7/26/2023) plus/minus any applicable margin. There is a minimum rate/floor APR of 4.00% and a maximum ceiling APR of 18.00%. Not all applicants will qualify for lowest rate. Minimum loan is $10,000 Lifetime
††Home Equity Loan is a fixed rate, closed-end loan with one-time disbursement.
Mastercard®
Effective FEB 1, 2024
Interest Rate and Interest Charges
|
| Annual Percentage Rate (APR) for Purchases Paying Interest | Mastercard: 11.00% - 18.00% This APR will vary with the market based on the Prime Rate
Secured Mastercard: 15.00% |
|---|
| APR For Balance Transfers | Mastercard: 11.00% - 18.00%
This APR will vary with the market based on the Prime Rate
Secured Mastercard: 15.00% |
|---|
| APR For Cash Advances | Mastercard: 11.00% - 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 Bureau | To 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, 2023. This information may have changed after that date. To find out what may have changed, call us at 202-318-1991 or write to us at PO Box 23393, Washington, DC 20026
