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Rates

Loan Rates

Rates are determined by each individual’s credit history, and capacity to repay.  The following rates posted below are subject to change without notice per the decision of the Board of Directors.  Effective date of current rates is February 21, 2013.

*APR = Annual Percentage Rate:  Is shown below in each Loan Category & Credit Rating Tier.


New Vehicles, Program Vehicles, & Motorcycles
Effective Date: 03/21/2017
Credit RatingA - APR*B - APR*C - APR*D - APR*E - APR*
84 Months (Vehicles Valued $40,000.00 & Greater Only) 2.99% 3.24% 4.99% 9.24% 11.24%
72 Months $25,000.00 - $40,000.00 2.99% 3.24% 4.99% 9.24% 11.24%
60 Months (Valued under $25,000.00) 2.99% 3.24% 4.99% 9.24% 11.24%

Maximum Loan Amount:  $50,000.00
Up to 100% Financing of Purchase Price.



Used Vehicles & Motorcycles
Effective Date: 02/21/13
Credit RatingA - APR*B - APR*C - APR*D - APR*E - APR*
60 Months - Up to 3 Year Model 3.25% 3.50% 5.25% 9.50% 11.50%
48 Months - 4 & 5 Year Models 3.25% 3.50% 5.25% 9.50% 11.50%
36 Months - Over 5 Year Models 3.25% 3.50% 5.25% 9.50% 11.50%

Maximum Loan Amount:  $40,000.00
Finance Average between Trade-In & Retail Value per NADA.



New Boats, Campers and RV's
Effective Date: 05/11/11
Credit RatingA - APR*B - APR*C - APR*D - APR*E - APR*
120 Months (Valued 60,000.00 & Greater Only) 5.25% 5.50% 7.25% 11.50% 13.50%
96 Months $25,000.00 - $60,000.00 5.25% 5.50% 7.25% 11.50% 13.50%
84 Months (Valued under $25,000.00) 5.25% 5.50% 7.25% 11.50% 13.50%

Maximum Loan Amount:  $100,000.00
Up to 100% Financing of Purchase Price. 



Used Boats, Campers and RV's
Effective Date: 06/08/2011
Credit RatingA - APR*B - APR*C - APR*D - APR*E - APR*
120 Months (Valued $50,000.00 - $80.000.00 5.75% 6.00% 7.75% 12.00% 14.00%
96 Months ( Valued $25,000.00 - $50,000.00 5.75% 6.00% 7.75% 12.00% 14.00%
84 Months (Valued under $25,000.00 5.75% 6.00% 7.75% 12.00% 14.00%

Maximum Loan Amount:  $80,000.00
Up to 100% Financing of Purchase Price. 



Collateral Mortgage
Effective Date: 05/10/12
Credit RatingA - APR* MARKETB - APR*C - APR*D - APR*E - APR*
Contact the Credit Union for Rates

Maximum Amount $250,000.00
Financing up to 80% of the Appraised Value up to 15 Years with a 10 Year Balloon note.




New Mobile Homes + Manafactured Homes
Effective Date: 12/09/10
Credit RatingA - APR*B - APR*C - APR*D - APR*E - APR*
  8.25% 8.50% 10.25% 14.50% 16.50%

Financing up to 80% of Purchase Price (maximum 15 years).



Used Mobile Homes + Manufactured Homes
Effective Date: 12/09/10
Credit RatingA - APR*B - APR*C - APR*D - APR*E - APR*
  9.25% 9.50% 11.25% 15.50% 17.50%

Financing up to 80% of Appraised Value (maximum 15 years).



Share + Share Certificate Secure Loans
TypeAPR*
Share 3.00% over share rate of previous quarter / Maximum Term 2 Years with Balloon.
Share Certificate 3.00% above Certificate rate / Maximum Term equal to Maturity of Certificate with Balloon.



Other Secured Loans
Effective Date: 12/09/10
Credit RatingA - APR*B - APR*C - APR*D - APR*E - APR*
  6.25% 6.50% 8.25% 12.50% 14.50%

Maximum Amount: 50,000.00
Up to 60 months.



VISA Credit Card & Beginner Visa
Credit RatingA - Member Visa - APR* - Maximum Limit: $10,000.00B - Member Visa - APR* - Maximum Limit: $7,500.00C - Member Visa - APR* - Maximum Limit: $3,500.00Beginner Visa - APR* - Maximum Limit: $500.00Membership Organization Visa - APR* - Maximum Limit: $25,000.00
Open End/Revolving Credit 8.49% 8.99% 10.49% 10.49% 8.49%

For Beginners & Credit Rating Tiers: A, B, & C Only. 



Unsecured Loans
Credit RatingA - APR* - Maximum Limit: $10,000.00B - APR* - Maximum Limit: $7,500.00C - APR* - Maximum Limit: $3,500.00D - APR* - Maximum Limit: $1,000.00E - APR* - Maximum Limit: $500.00Beginner Loan - APR* - Maximum Limit: $500.00
36 Months 9.00% 9.25% 11.00% 15.25% 17.25% 11.00%
24 Months 9.00% 9.25% 11.00% 15.25% 17.25% 11.00%
12 Months 9.00% 9.25% 11.00% 15.25% 17.25% 11.00%



Overdraft Loan Protection
Credit RatingAll - APR*
Open End/Revolving Credit 18.00%

Maximum Loan Amount:  $1,500.00
Monthly Payment Amount: $50.00
In connection with Share Draft (CHECKING) Account. 



Catholic Schools Advance Tuition Loans
Effective Date: 11/14/11
Credit RatingA - APR*B - APR*C - APR*
  4.75% 4.75% 4.75%

A, B & C Only - Maximum Term 1 Year. 



Credit Repair Loan
Credit RatingA - APR*B - APR*C - APR*D - APR*E - APR*
  14.00% 14.00% 14.00% 14.00% 14.00%

3 Years / Counter Offer for Denied Loans / Share Secured.


Share Rates


Share Accounts
Effective Date: 06/11/2015
TypeDividend RateAPY*
Share (Savings) Account - $25.00 0.10% 0.100%
Share Christmas Club Account 0.05% 0.050%
Share Draft (Checking) Account 0.00% 0.000%
Share IRA (Savings) - Traditional, ROTH, & Coverdell ESA 0.45% 0.450%



Share Certificate Rates
Effective Date: 06/08/2011
TypeDividend RateAPY*
6 Month Share Certificate 0.25% 0.250%
1 Year Share Certificate 0.45% 0.451%
6 Month Share IRA Certificate (Traditional, ROTH, & Coverdell ESA) 0.25% 0.250%
1 Year Share IRA Certificate (Traditional, ROTH, & Coverdell ESA) 0.45% 0.451%

Minimum Deposit:  $1,000.00         Youth CD Minimum Deposit: $250.00
Penalties may be applied for early withdrawal, therefore reducing earnings. Effective date of current rates is October 14, 2010.

*APY = Annual Percentage Yield: Is shown above in each Share Certificate Type category.
 

 

Equal Housing LenderNational Credit Union Administration
NCUA - Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government agency. Equal Housing Lender - We do business in accordance with the Fair Housing Law and Equal Opportunity Credit Act