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Rates
- Loan Rates
- New Vehicles, Program Vehicles, & Motorcycles
- Used Vehicles & Motorcycles
- New Boats, Campers and RV’s
- Used Boats, Campers and RV’s
- Collateral Mortgage
- Home Equity
- New Mobile Home
- Used Mobile Home
- Share Secure Loans
- Other Secured Loans
- Visa Credit Card & Beginner Visa
- Unsecured Loans
- Overdraft Loan Protection
- Catholic School Loan
- Credit Repair Loan
- Share 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 January 13, 2010.
*APR = Annual Percentage Rate: Is shown below in each Loan Category & Credit Rating Tier.
| New Vehicles, Program Vehicles, & Motorcycles | |||||
| Effective Date: 05/11/11 | |||||
| Credit Rating | A - APR* | B - APR* | C - APR* | D - APR* | E - APR* |
| 84 Months (Vehicles Valued $40,000.00 & Greater Only) | 4.25% | 4.50% | 6.25% | 10.50% | 12.50% |
| 72 Months $25,000.00 - $40,000.00 | 4.25% | 4.50% | 6.25% | 10.50% | 12.50% |
| 60 Months (Valued under $25,000.00) | 4.25% | 4.50% | 6.25% | 10.50% | 12.50% |
Maximum Loan Amount: $50,000.00
Up to 100% Financing of Purchase Price.
| Used Vehicles & Motorcycles | |||||
| Effective Date: 12/09/10 | |||||
| Credit Rating | A - APR* | B - APR* | C - APR* | D - APR* | E - APR* |
| 60 Months - Up to 3 Year Model | 4.75% | 5.00% | 6.75% | 11.00% | 13.00% |
| 48 Months - 4 & 5 Year Models | 4.75% | 5.00% | 6.75% | 11.00% | 13.00% |
| 36 Months - Over 5 Year Models | 4.75% | 5.00% | 6.75% | 11.00% | 13.00% |
Maximum Loan Amount: $40,000.00
Up to 100% Financing of Trade-In Value per NADA.
| New Boats, Campers and RV's | |||||
| Effective Date: 05/11/11 | |||||
| Credit Rating | A - APR* | B - APR* | C - APR* | D - APR* | E - APR* |
| 120 Months (Valued 60,000.00 & Greater Only) | 5.00% | 5.25% | 7.00% | 11.25% | 13.25% |
| 96 Months $25,000.00 - $60,000.00 | 5.00% | 5.25% | 7.00% | 11.25% | 13.25% |
| 84 Months (Valued under $25,000.00) | 5.00% | 5.25% | 7.00% | 11.25% | 13.25% |
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 Rating | A - APR* | B - APR* | C - APR* | D - APR* | E - APR* |
| 120 Months (Valued $50,000.00 - $80.000.00 | 5.50% | 5.75% | 7.50% | 11.75% | 13.75% |
| 96 Months ( Valued $25,000.00 - $50,000.00 | 5.50% | 5.75% | 7.50% | 11.75% | 13.75% |
| 84 Months (Valued under $25,000.00 | 5.50% | 5.75% | 7.50% | 11.75% | 13.75% |
Maximum Loan Amount: $80,000.00
Up to 100% Financing of Purchase Price.
| Collateral Mortgage | |||||
| Effective Date: 01/30/2012 | |||||
| Credit Rating | A - APR* | B - APR* | C - APR* | D - APR* | E - APR* |
| 4.66% | 4.91% | 5.16% | 5.66% | 5.66% | |
Maximum Amount $250,000.00
Financing up to 80% of the Appraised Value up to 15 Years with a 10 Year Balloon note.
| Home Equity | |||||
| Effective Date: 01/30/12 | |||||
| Credit Rating | A - APR* | B - APR* | C - APR* | D - APR* | E - APR* |
| 5.66% | 5.91% | 6.16% | 6.66% | 6.66% | |
Maximum Amount: 100,000.00
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 Rating | A - APR* | B - APR* | C - APR* | D - APR* | E - APR* |
| 8.00% | 8.25% | 10.00% | 14.25% | 16.25% | |
Financing up to 80% of Purchase Price (maximum 15 years).
| Used Mobile Homes + Manufactured Homes | |||||
| Effective Date: 12/09/10 | |||||
| Credit Rating | A - APR* | B - APR* | C - APR* | D - APR* | E - APR* |
| 9.00% | 9.25% | 11.00% | 15.25% | 17.25% | |
Financing up to 80% of Appraised Value (maximum 15 years).
| Share + Share Certificate Secure Loans | |
| Type | APR* |
| 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 Rating | A - 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 Rating | A - Member Visa - APR* - Maximum Limit: $10,000.00 | B - Member Visa - APR* - Maximum Limit: $7,500.00 | C - Member Visa - APR* - Maximum Limit: $3,500.00 | Beginner Visa - APR* - Maximum Limit: $500.00 | Membership 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 Rating | A - APR* - Maximum Limit: $10,000.00 | B - APR* - Maximum Limit: $7,500.00 | C - APR* - Maximum Limit: $3,500.00 | D - APR* - Maximum Limit: $1,000.00 | E - APR* - Maximum Limit: $500.00 | Beginner 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 Rating | All - 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 Rating | A - APR* | B - APR* | C - APR* |
| 4.25% | 4.25% | 4.25% | |
A, B & C Only - Maximum Term 1 Year.
| Credit Repair Loan | |||||
| Credit Rating | A - 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: 03/10/11 | ||
| Type | Dividend Rate | APY* |
| Share (Savings) Account - $25.00 | 0.25% | 0.250% |
| Share Christmas Club Account | 0.10% | 0.100% |
| Share Draft (Checking) Account | 0.00% | 0.000% |
| Share IRA (Savings) - Traditional, ROTH, & Coverdell ESA | 1.00% | 1.004% |
| Share Certificate Rates | ||
| Effective Date: 06/08/2011 | ||
| Type | Dividend Rate | APY* |
| 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.
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