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Loan Rates

Rates are based on an evaluation of credit history, so your rates may differ.

Rates updated as of June 1, 2018, please verify current rates with Credit Union

Share Secured

Approximate Term  Annual Percentage Rate (APR) As Low As*:
12 months 3.00%
24 months 3.50%
36 months 4.00%
48 months 4.50%
60 months 5.00%
72 months 6.00%
*Rates are based on an evaluation of credit history, so your rates may differ.

Term Share Secured

Approximate Term  Annual Percentage Rate (APR) As Low As*:
Up to 84 months Term Share Dividend Rate + 3%
*Rates are based on an evaluation of credit history, so your rates may differ.

New Vehicle

Approximate Term  Annual Percentage Rate (APR) As Low As*:
Up to 36 months 2.00%
37-48 months 2.25%
49-60 months 3.00%
61-72 months 3.50%
73-84 months** 4.50%
*Rates are based on an evaluation of credit history, so your rates may differ.
**$35,000 Minimum Advance

Used Vehicle

Approximate Term  Annual Percentage Rate (APR) As Low As*:
Up to 36 months 3.00%
37-48 months 3.25%
49-60 months 4.25%
61-72 months 5.50%
73-84 months** 6.50%
*Rates are based on an evaluation of credit history, so your rates may differ.
**$25,000 Minimum Advance

New Motorcycle

Approximate Term  Annual Percentage Rate (APR) As Low As*:
Up to 36 months 4.00%
37-48 months 4.50%
49-60 months 5.25%
61-72 months** 6.25%
73-84 months** 7.25%
*Rates are based on an evaluation of credit history, so your rates may differ.
**$30,000 Minimum Advance

Used Motorcycle

Approximate Term  Annual Percentage Rate (APR) As Low As*:
Up to 36 months 6.00%
37-48 months 6.50%
49-60 months 7.25%
*Rates are based on an evaluation of credit history, so your rates may differ.

New Boat/New Camper/New RV

Approximate Term  Annual Percentage Rate (APR) As Low As*:
Up to 36 months 4.50%
37-48 months 5.00%
49-60 months 5.75%
61-72 months 6.75%
73-84 months** 7.75%
85-120 months** 8.75%
121-180 months*** 9.75%
*Rates are based on an evaluation of credit history, so your rates may differ.
**$25,000 minimum for terms over 72 months
***For 121-180 months, USCG reg/living facilities required

Used Boat/Used Camper/Used RV

Approximate Term  Annual Percentage Rate (APR) As Low As*:
Up to 36 months 6.50%
37-48 months 7.00%
49-60 months 7.75%
61-72 months 8.75%
73-84 months** 9.75%
85-120 months** 10.75%
121-180 months*** 11.75%
*Rates are based on an evaluation of credit history, so your rates may differ.
**$25,000 minimum for terms over 72 months
***For 121-180 months, USCG reg/living facilities required

Personal Signature

Approximate Term  Annual Percentage Rate (APR) As low As*:
12 months 8.00%
24 months 8.50%
36 months 9.00%
48 months 10.00%
60 months 12.00%
72 months 14.00%
84 months 16.00%
*Rates are based on an evaluation of credit history, so your rates may differ.

CU Line of Credit (CU LoC)

Approximate Term  Annual Percentage Rate (APR) As Low As*:
20 months 8.00%
*Rates are based on an evaluation of credit history, so your rates may differ.

Quick Pay 

Approximate Term  Annual Percentage Rate (APR) As Low As*:
2 Payrolls 16.50%
*Rates are based on an evaluation of credit history, so your rates may differ.

Thrift Plan Withdrawal Bridge

Approximate Term  Annual Percentage Rate (APR) As Low As*:
90 Days 12.50%
*Rates are based on an evaluation of credit history, so your rates may differ.

Fees

Annual Fees

LOANLINER® Plan Annual Fee - $0.00

Transaction Fees

CU LoC Member initiated transfer fee - $0.00
CU LoC Auto System Overdraft Transfer Fee - $2.00
CU LoC Staff Initiated Overdraft Transfer Fee - $10.00
Phone or Fax Transfer Request - $10.00

Penalty Fees

Returned Payment Fee - $35.00 plus $5.00 per week until item cleared.

How we will calculate your balance: We will use a balance computation method called daily balance. See your account Agreement for more details.

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account Agreement.

LOANLINER® Plan Annual Fee: There are no annual fees attached to this plan.

CU LoC Member initiated transfer fee: There is no fee if you make your own transfer to cover possible overdrafts.

CU LoC Auto System Overdraft Transfer Fee: If the credit union makes an automated transfer to cover an overdraft on your share account you will be charged this fee.

CU LoC Staff Initiated Overdraft Transfer Fee: If the credit union staff make a transfer to cover an overdraft on your share account you will be charged this fee.

Phone or Fax Transfer Request: If you contact the credit union to request that a transfer be made you will be charged this fee.

Collection Costs: You agree to pay all costs of collecting the amount you owe under this Agreements, including reasonable attorney's fees not in excess of 15% of the unpaid debt and all court costs.

Member Loans

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