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: 07/31/2023
Loan Rates
| Loan Type |
APR* as low as |
|
Vehicles |
5.54% |
| Boats |
7.54% |
| Jet Skis |
8.74% |
| Farm Equipment |
7.84% |
| Motorcycles & ATV's |
8.24% |
| Recreational Vehicles & Travel Trailers |
7.84% |
| Personal/ Unsecured Loans/ Line of Credit |
10.24% |
| Share Secured Loan |
3.00% above interest earned on Savings or Certificate Account |
|
*** Rates and credit approval may vary based on credit score and maturity. |
|
Mortgage Rates
| Loan Type |
APR* as low as |
| Residential 1st Mortgage |
N/A |
| Home Equity Loan |
7.49% |
|
Home Equity Line (HELOC) |
As low as Prime (WSJ) + 1%
|
| Land |
N/A |
| ***Rates and credit approval may vary based on credit score and maturity. |
|
Commercial Loans and MBLs
| Loan Type |
APR* as low as |
| Member Business Loan |
Rate determined by purpose, collateral, and maturity |
| Commercial Loans |
Rate determined by purpose, collateral, and maturity |
|
All Commercial Loans and MBLs will have a $250 Loan Processing Fee.
***Rates and credit approval may vary based on credit score and maturity.
|
VISA Credit Cards w/UChoose Rewards
| Card Type |
|
APR* |
|
Platinum Rewards
|
earns UChoose Rewards
|
10.90% APR |
| Gold Rewards
|
earns UChoose Rewards
|
14.90% APR |
| Classic Rewards
|
earns UChoose Rewards |
16.90% APR |
|
All secured loans will be charged a $150 loan processing fee. All unsecured loans (except lines of credit) will be charged a $35 loan processing fee if loan is $2,500 or below; $50 loan processing fee if loan is above $2,500. Christmas Loans will be charged a $35 loan processing fee. Non-Commercial real estate loans and Share Secured Loans will not be charged a fee. 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.
|
