Below is the rate and fee schedule which sets forth certain conditions, rates, fees, and charges applicable to your accounts. This schedule is incorporated in your account agreement with the Credit Union.

Effective as of: 11/01/2019

Loan Rates 

Loan Type Term APR* as low as
Vehicles 2013-2019  36-50 months  4.24%  
51-62 months  4.44%  
$15,000 or more 63-74 months  4.64% 
$25,000 or more 75-84 months   5.34% 
$60,000 or more   85-90 months   5.64% 
Used Vehicles 2007-2012  up to 36 months 4.59%  
37-50 months 5.19%  
51-62 months 6.19%  
   $20,000 or more 63-72 months  6.69% 
Older Vehicles  Less than $20,000 up to 36 months 6.89%  
More than 12 years old $20,000 or more 37-50 months 6.99%  
Approval by CEO Longer Terms TBD by age of vehicle 7.59%  
Boats Less than $15,000  up to 60 months   5.64%  
$15,000 - $30,999   up to 72 months   5.94%  

$31,000-$49,999   up to 120 months   6.19%  
 Over $50,000 up to 180 months   7.24%  
New Jet Skis up to 72 months 6.24%  
Used Jet Skis 5 years old or less  60 months   6.99% 
   
New Farm Equipment  36-48 months 5.59%  
  $10,000 or more  60 months 5.69%  
$20,000 or more 72 months 6.29%  
$30,000 or more 120 months 6.59%
Used Farm Equipment 10 years old or less 36-48 months 6.59%  
$20,000 or more 60 months  6.79%  
New Motorcycles up to 60 months 6.09%  
$15,000 or more 61-72 months  5.99%  
Used Motorcycles 2 years old or less 48 months 6.69%  
3-5 years old 42 months  6.99%  
6-8 years old 36 months 7.39%  
New Four Wheelers  up to 60 months 6.09%  
New Recreational Vehicles $20,000 or less 36-72 months 5.69%  
up to $50,000 144 months  5.99%  
$50,000 or more 180 months 6.69%  
Used Recreational Vehicles $20,000 or less 36-60 months 5.99%  
up to $50,000 84 months 6.04%  
$50,000 or more 120 months 6.39%  
Personal Loans Overdraft Varies 12.99%
Signature 60 months or less
+2% with only savings 
9.99%
Line of Credit 60 months or less
+2% with only savings 
9.99%

 

Mortgage Rates

Loan Type Term APR* as low as
In-house Nonconforming Min. loan $35,000 8-10 years  3.69% 
    11-12 years 3.79% 
Min. loan $50,000  13-15 years 3.99% 
     16-18 years 4.29% 

***Other Conditions: 80% of appraisal if score is 640 to 650 1% Origination Fee 85% of appraisal if score is 651 to 699 90% appraisal if score is 700.

Home Equity Loan up to 5 years 4.89%  
6-10 years 4.99% 
11-12 years 5.09%  
Min. loan $25,000 13-15 years 5.39%  

***Other Conditions: 80% Appraisal - 650-699 CS; 85% Appraisal 700 CS

Home Equity Line (HELOC) Min. 1st draw $10,000;
Other draws $500 min. 
up to 15 years Wall St. Pr. to Float
 
Land
Improved-Subdivision 80% of appraisal (650-674 credit score) 60 months 5.49%  
85% of appraisal (675-699 credit score)  up to 120 months  5.59% 
90% of appraisal (700 credit score)  up to 180 months 5.89%  
Unimproved-Acreage  75% of appraisal (650-699 credit score)  60 months 5.49%  
80% of appraisal (700 credit score)  up to 120 months  5.59%  
up to 180 months 5.99%  

 

Commercial Loans and MBLs

Loan Type Term APR* as low as
Real Estate 15 yr. amortization Fixed 60 months w/balloon Pr.+ 0.25-1.5  
Commercial Equipment Fixed 60 months or less Pr.+ 0.25-2.0 
Fixed 61-120 months Pr.+ 0.5-2.5 

All Commercial Loans and MBLs will have a $250 Loan Processing Fee

 

VISA Credit Cards w/UChoose Rewards

Card Type APR*
Platinum Rewards earns UChoose Rewards 9.90% APR  
Gold Rewards earns UChoose Rewards 12.90% APR  
Classic Rewards earns UChoose Rewards  14.90% APR  

All collateral loans and unsecured loans (except lines of credit) will be charged an $90 loan processing fee. Non-Commercial real estate loans and Share Secured Loans will not be charged a fee. Your rate will be based on your credit score and the loan-to-value ratio of your collateral and may be higher. APR refers to ANNUAL PERCENTAGE RATE. Quoted rates are the lowest available rates and reflect all possible discounts. Your rate will be based on your credit history and may be higher. Rates and terms are subject to change based on market conditions and borrower eligibility.