Our Mission

"To meet our members needs for quality financial services and to provide those services in a professional, convenient and efficient manner while maintaining financial stability."

Loan Rates

Check out our competitive loan rates and save. APR = Annual Percentage Rate.

LOAN TYPE

Approx.
TERM in Months

Non-Variable
 APR A+**

VARIABLE APR**

COMMENTS

Signature/Personal**Loan

 

up to Approx
60 mos

6.90.%

n/a
n/a

-$10,000 max. total 
(loans + Visa + LOC)

Home Advantage** Loan

Approx 84 Approx 120  

6.90% 
7.90%

n/a
n/a

-$15,000 max total
-member pays all fees
-100% available equity

New Auto**Loan
(108% Financing)

Approx 60
Approx 72 

1.89%
2.59%

n/a
n/a

2011 to new 
2011 to new 

Used Auto**Loan
(NADA + tax)

Approx 60 
Approx 72

1.89%
2.59%

n/a
n/a

model yr 2007 - 2012
model yr 2007 - 2012

Approx 36
Up to 60

4.95% 
5.50%

n/a
n/a

model yr 2005 - 2006
model yr 2005 - 2006

Home Advantage** / Auto Loan

Approx 66 
Approx 72

5.94%
6.94%

n/a
n/a

-passenger vehicles only
-new and up to 2 years old

Approx 60 
Approx 84
Approx 120

7.99%
8.99% 
9.99%

n/a
n/a
n/a

-recreational vehicles only
-new and up to 2 years old

New RV** Loan
(108% Financing)

Approx 60 
Approx 84 
Approx 120

3.49%
4.49%
5.49%

n/a
n/a
n/a

-campers, ATVs, motorcycles...
-cycles under $10,000-48mo.
-cycles over $10,000-72mo.

Used RV** Loan
(NADA + tax)

Approx 60 
Approx  84

3.90%
4.90%

n/a
n/a

-campers, ATVs, motorcycles
-cycles under $10,000-48mo.
-cycles over $10,000-60mo.

Line of Credit (LOC) Overdraft Protection

open end

14.50%

n/a

-$5,000 max.
-if joint checking, both sign LOC appl.

Savings Secured Loan

up to 120

n/a

n/a

-current rate plus 4.00%

Certificate Secured Loan

up to 120

n/a

varies

-current rate plus 4.00%

VISA Classic Credit Card

revolving

12.90%

n/a

-$10,000 max.
rate available on purchases and balance transfers

VISA PLATINUM Credit Card*

revolving

n/a

7.25% -17.25%

Variable rate based on credit worthiness.

First Mortgage**

up to 360

yes

n/a

Call for rates

Home Equity LOC

up to 180

1.99% (1st 6 months)

Prime (yrs 2-15)

-up to 80% LTV
-fixed rate for 6 months
-after 6 months , variable rate of Prime 
-application fee $199 refunded at closing

Home Equity LOC (Prime + .50%)

up to 180

1.99% (1st 6 months)

Prime+.50%
(yrs 2-15)

-up to 90% LTV
-fixed rate for 6 months
-after 6 months, variable rate of Prime +.50%
-application fee $199 refunded at closing

Home Equity LOC (Interest Only)

up to 180

1.99%

Prime +0% (yrs 2-15)

-up to 80% LTV
-fixed rate for 6 months
-after 6 months., variable Prime +0%,
-application fee $199 refunded at closing
-interest-only payments first 10 yrs., repayment last 5 yrs.

Fixed Rate, Closed End Home Equity Loan

up to 5 years

3.50%

n/a

-up to 80% LTV
-member pays all the closing costs

Fixed Rate, Closed End
Home Equity Loan

up to 120 
up to 180

4.25%
4.75%

n/a

-up to 80% LTV
-Loans $25,000 and over have an attny fee of $400, $250 payable by the member and $150 paid by the CU.  Loans over $50,000 member will pay the mortgage tax (3/4% of 1% of the amount borrowed)

 Second/Vacation Home**

 360

 YES

 n/a

 Call for rates

* Some loan rates are based on credit worthiness and relationship discounts.
** Home Owner loan products may offer tax advantages, please consult a tax advisor
***Up to 80% of your home's equity. ****Up to 90% of your home's equity.
Effective Date 6/30/2014