APR=Annual Percentage Rate
APY=Annual Percentage Yield
Loan Score Criteria:
All Loans are subject to
credit worthiness.
A - 680 and up
B - 640-679
C - 600-639
D - 550-599
E - 549 and lower
Rates subject to change
at any time.
Online Application
For your convenience, we have provided a downloadable Loan Application in Acrobat PDF* format.
*You will need Acrobat Reader software installed on your computer to view and print this file.
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Dividend Rates
Effective January 1, 2010
|
Account Description |
Current Quarter Projected Rate |
|
Regular Savings Accounts |
0.75% |
The dividend rates may change every dividend period. The dividend rates are determined by the Credit Union Board of Directors and are declared on a quarterly basis.
Loan Rates
Effective January 1, 2010
|
Loan Description |
APR |
Max. Loan Amount |
Term |
|
Personal Loans |
|
A Risk |
10% |
$5,000 |
36 Mos. |
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B Risk |
12% |
$2,500 |
36 Mos. |
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C Risk |
14% |
$2,500 |
24 Mos. |
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D and E Risk |
18% |
not eligible |
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New Vehicles, Equipment, Boats 2007 and 2008 |
|
A Risk |
4.75% |
Over
$25,000 |
60 Mos.
72 Mos. |
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B Risk |
5.50% |
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C Risk |
7% |
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D Risk |
9% |
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E Risk |
11% |
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Used Vehicles, Equipment, Boats 2006 and Older |
|
A Risk |
5.75% |
Secured loans of $9,000 or less:
48 months.
Secured loans of $5,000 or less:
36 months. |
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B Risk |
6.50% |
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C Risk |
8% |
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D Risk |
10% |
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E Risk |
12% |
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Share Secured Loans |
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2% above dividend rate. |
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Credit Card |
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VISA Classic |
11.9% |
Up to $5,000 depending on
credit score |
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