Loan Rates
VEHICLE LOANS
Rates as low as: The following rates are the lowest available based on creditworthiness and other factors
| Term: | Model Year: New - 2024 | Model Year: 2023 - 2021 | Model Year: 2020 - 2016 | Model Year: 2015 - 2011 |
|---|---|---|---|---|
| 36 months | 4.69% APR* | 4.99% APR* | 5.49% APR* | 7.69% APR* |
| 48 months | 4.69% APR* | 5.09% APR* | 5.89% APR* | 8.49% APR* |
| 60 months | 4.70% APR* | 5.19% APR* | 6.39% APR* | n/a |
| 72 months | 4.89% APR* | 6.39% APR* | n/a | n/a |
| 84 months | 6.39% APR* | n/a | n/a | n/a |
VEHICLE GAP PROTECTION
(GAP) Guaranteed Asset Protection - GAP Advantage covers the "gap" between the vehicle's value and the amount you still owe, including the insurance deductible. GAP Advantage also provides you with a $1,000 credit towards the financing of a replacement vehicle if you finance at the credit union. GAP is a one-time fee for cars, light trucks, motorcycles, and jet skis.
Rates as low as: The following rates are the lowest available based on creditworthiness and other factors
| Loan | Rate |
|---|---|
| ATV/JET SKI LOANS | 2.00% APR* above car loan rates |
| FIRST MORTGAGE | 5 Year - 5.00% APR² | 10 Year - 5.25% APR* |
| 15 Year - 5.40% APR* | |
| 20 Year - 5.70% APR* | |
| 30 Year - 5.90% APR* | |
| HOME EQUITY Variable Rate |
Prime Rate + 0% APR* & No Fees¹ |
| 2nd Mortgage Fixed Rate |
6.25% APR* |
| SHARE SECURED LOANS | Please Call for Current Rate |
| VISA CARDS No Annual Fee |
10.75% APR* |
| PERSONAL LOANS - Up to $15,000 Rate based on Credit Performance |
As low as 10.99% APR* |
| BOATS, RVs and CAMPERS LOANS Rate based on Credit Performance |
NEW - 2024 60 Months 6.99% APR* 84 Months 8.29% APR* 120 Months 8.69% APR* 2023-2014 48 Months 7.29% APR* 60 Months 7.69% APR* 84 Months 9.99% APR* |
OVERDRAFT LOANS | 18.00% APR* |
Rates as low as: The following rates are the lowest available based on creditworthiness and other factors. Closed- End Mortgage Rates effective 1/2/26. ¹PERCENTAGE OF FEES MUST BE REIMBURSED TO CREDIT UNION ON HOME EQUITY LOANS IF PAID IN FULL WITHIN FIRST FOUR YEARS . Minimum loan amount is $5,000.00 for HE. ²Maximum 65% of appraisal value from county website (less any outstand indebtedness). Minimum loan amount is $12,000. Maximum loan amount is $75,000. Sample monthly payment: $75,000 at 5.00% for 60 months would be $1,416. Property must be a single-family residence. Homeowners insurance is required. Consult a tax advisor regarding interest deductibility. NMLS# 684305.
Rates effective 1/2/26 and are subject to change at any time. Car loan sample monthly payment $20,000 at 4.69%APR* for 36 months would be about $597. Signature loan sample monthly payment for $15,000 at 10.99%APR* for 60 months would be about $327. All rates and promotions are subject to change without notice. Please call the credit union at 440-357-2560 for complete information.Check out these websites for more information: