Rates

Loan Type (Effective 9.1.12) APR*

1 The APR* shown above reflect the current minimum APR offered. The APR may be adjusted based on individual credit standing, term, loan-to-value, debt-to-income ratio, and aggregate credit score. Please contact a loan officer to determine the rate and term for which you qualify.

2 Up to 100% financing when age of vehicle is 8 years older than current model year as long as vehicle books in NADA.

These Annual Percentage Rates (APRs) are variable and subject to change quarterly based on the highest PRIME Rate as published in the Money Rates Section of the Wall Street Journal on the 15th day (if the 15th is not a business day, then the rate on the preceding business day) immediately preceding the first day of each calendar month of each year and cannot exceed 18% APR. As of August 1, 2012 the prime rate was 3.25%.

Personal & Overdraft Line of Credit 8.15% – 12.15%1
Gold Star Line of Credit 7.75%1
Used Passenger Vehicles2 5.25% – 9.25%1
Used Recreational Vehicles2 5.75% – 9.75%1

Home Equity Line of Credit

Term (Effective 9.1.12) Up to 80% of Available Equity APR*

These APR’s* are variable and subject to change monthly based on the highest PRIME Rate as published in the Money Rates Section of the Wall Street Journal on the 15th day (if the 15th is not a business day, then the rate on the preceding business day) immediately preceding the first day of each calendar month of each year and cannot exceed 14% APR. As of August 1, 2012 the prime rate was 3.25%. Flood and /or property hazard insurance may be required.

Up to 180 Months Up to $400,000 3.20%

Equity Advantage Fixed Rate

Fixed Term (Effective 9.1.12-6.30.12) Loan Amount APR*

*Rates subject to change. The above base rates reflect a loan-to-value of 80% or less. Rates do increase if the loan-to-value is greater than 80%. Maximum loan-to-value is 90%. Please contact a loan officer to determine the rate and term for which you qualify. Flood and /or property hazard insurance may be required.

5 Years $10,000 – $400,000 3.99%
10 Years $10,000 -$400,000 4.99%
15 Years $10,000 – $400,000 5.99%
20 Years $10,000 -$400,000 5.99%
30/15 $25,000 – $400,000 6.95%
Loan Type (Effective 9.1.12) APR*1 Terms

1 APR = Annual Percentage Rate

2 Current model year or newer.

3 Up to 4 model years old.

4 The APR* shown above reflect the current minimum APR offered. The APR may be adjusted based on individual credit standing, term, loan-to-value, debt-to-income ratio, aggregate credit score, and product mix. Please contact a loan officer to determine the rate and term for which you qualify.

5 Includes Current Model Year plus four years back.

6 A discount of one percent 1.00% is given with a down payment of $1,500. An additional 0.25% discount is given with direct deposit.

7 Maximum of $15,000

8 Certain Restrictions Apply

9 $5,000 to $25,000

10 Loan amount minimum $500, maximum $5,000 for loans less than $1,100 minimum payment of $25.00 per month. For loans greater than $1,100, payments calculated over a max of 48 months. Funds may only be used for the purchase of a VSA. Qualified members only.

Share Certificate SecuredCertificate rate + 3.00% Term of Certificate
New Auto2 1.99% – 10.50%4 1 – 48 Months
New Auto2 2.89% – 10.50%4 49 – 60 Months
Used Auto3 2.89% – 10.50%4 1 – 60 Months
New/Used Auto5 4.40% – 11.25%4 61 – 72 Months
New/Used Auto5 5.40% – 14.25%4 73 – 84 Months
New/Used Recreational Vehicles5 6.25% – 11.25%4 1 – 180 Months
First Time Auto Buyer 13.75%6 60 Months7
Personal Prime Loan8 6.99% 60 Months9
Vehicle Service Agreement Loan ($500 – $5,000) 6.00% 10 up to 48 months
Share Secured Prime Share Rate + 3.00% up to 84 months
Loan Type Amount APR* Monthly Payment

These examples are for comparison purposes only and do not reflect an offer of credit. All terms and conditions are subject to change without notice. Some restrictions do apply.

New or Used Passenger Vehicles (60 mos.) $20,000 3.90% $366.43
New or Used Passenger Vehicles (60 mos.) Highest Rate $20,000 11.25% $437.35
New or Used Passenger Vehicles (72 mos.) $20,000 4.90% $320.08
New or Used Passenger Vehicles (72 mos.) Highest Rate $20,000 11.75% $388.41
New or Used Passenger Vehicles (over $25,000-84 mos.) $30,000 5.90% $435.04
New or Used Passenger Vehicles (over $25,000-84 mos.) Highest Rate $30,000 14.75% $568.86
New or Used RV (60 mos.) Discounted Rate w/10% down payment $20,000 7.50% $400.76
New or Used RV (60 mos.) Highest Rate w/10% down payment $20,000 11.50% $439.85
New or Used RV (over $20,000-120 mos.) Highest Rate w/10% down payment $30,000 11.50% $421.79
New or Used RV (over $25,000-72 mos.) Highest Rate w/10% down payment $30,000 11.50% $578.73
Vehicle Service Agreement (48 mos.) Highest Rate $5,000 6.00% $117.44
  • *APY = Annual Percentage Yield
  • *APR = Annual Percentage Rate
  • Federally insured by the NCUA.