Loan Rates
Rates effective November 1, 2019, at 8:00 am ET
Rates are subject to change.
Vehicles
| Term | Rate | APR* | Pymt Based on $1,000 Borrowed on Rate+ |
|---|---|---|---|
| New Auto | |||
| 3 years | 1.99% | 1.99% | $28.64 |
| 4 years | 2.74% | 2.74% | $22.03 |
| 5 years | 2.99% | 2.99% | $17.97 |
| 6 years | 3.49% | 3.49% | $15.42 |
| Used Auto** 2011-2019 model years | |||
| 3 years | 1.99% | 1.99% | $28.64 |
| 4 years | 2.74% | 2.74% | $22.03 |
| 5 years (2013-2019) | 2.99% | 2.99% | $17.97 |
| 6 years (2015-2019) | 3.49% | 3.49% | $15.42 |
| Older Auto** 1999-2010 model years | |||
| Up to 4 years | 6.24% | 6.24% | $23.60 |
| New & Used Motorcycles** 2011-2019 model years - street legal 300cc minimum size motorcycles only | |||
| Up to 6 years | 5.49% | 5.49% | $16.33 |
| * APR = Annual Percentage Rate. ** Term based on age of vehicle. | |||
Refinance Mortgage
| Term | Rate | APR* | Pymt Based on $1,000 Borrowed on Rate+ |
|---|---|---|---|
| Refinance Mortgage** | |||
| 5 years | 2.62% | 2.90% | $17.80 |
| 10 years | 2.85% | 3.00% | $9.66 |
| 15 years | 3.00% | 3.10% | $6.91 |
| 20 years | 3.17% | 3.25% | $5.63 |
| * APR = Annual Percentage Rate. ** Refinance Mortgage APR based on $100,000 mortgage & includes $700 processing fee. Texas residents call Credit Union for APRs and fees. | |||
Home Equity
| Account Type | Rate | APR* | Pymt Based on $1,000 Borrowed on Rate+ |
|---|---|---|---|
| Variable Rate Home Equity Line of Credit | |||
| prime rate minus 1/2%: floor of 4% & cap of 18% | 4.25% | 4.25% | $10.24 with a minimum of $100 per month |
| Fixed Rate Home Equity** | |||
| 5 years | 3.85% | 3.85% | $18.35 |
| 7 years | 3.99% | 3.99% | $13.66 |
| 10 years | 4.24% | 4.24% | $10.24 |
| 15 years | 4.50% | 4.50% | $7.65 |
| 20 years | 5.49% | 5.49% | $6.87 |
| * APR = Annual Percentage Rate. Line of Credit rate is variable and subject to change after loan account is open. ** Texas residents call Credit Union for APRs and fees. | |||
Secured & Unsecured
| Account Type | Rate | APR* | Pymt Based on $1,000 Borrowed on Rate+ |
|---|---|---|---|
| Secured Shares or Share Certificates, Non IRA Shares | |||
| Up to 5 years | 3.30% | 3.30% | $18.10 |
| Unsecured | |||
| 2 years | 5.99% | 5.99% | $44.32 |
| 5 years | 7.99% | 7.99% | $20.27 |
| * APR = Annual Percentage Rate. | |||
Fast Cash/Overdraft Protection
| Account Type | Rate | APR* | Minimum Payment |
|---|---|---|---|
| Fast Cash/Overdraft Protection* variable prime rate plus 3% | |||
| Line of Credit | 7.75% | 7.75% | Minimum payment of $15 or 3% of balance |
| * APR = Annual Percentage Rate. Rate is variable and subject to change after loan account is open. | |||
Mastercard®
| Card Type | Rate | APR* | Minimum Payment |
|---|---|---|---|
| Mastercard Plus | 8.90% | 8.90% | Minimum payment of $15 or 3% of balance |
| * APR = Annual Percentage Rate. | |||