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Loan Rates

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Effective January 13, 2026

Vehicle Loans

New Vehicles Extended Terms Available Rates As Low As 4.99% APR*
(2025-2026 under 36,000 miles)

Pre-Owned Vehicles Extended Terms Available Rates As Low As 5.49% APR*
(2020-2024 under 100,000 miles)

Rates shown reflect maximum discounts available. Rates are subject to change at any time. Rates are based on individual's creditworthiness.

Other Loans

As Low As APR*

Notes

Other Secured w/ Title - 2017 - 2019 (ATVs, Wave Runners, Campers, with UCC filings)
(under 100,000 miles) Extended Terms Available

7.99%

Titled RVs

6.00%

Personal Loans

10.24%

Personal Line of Credit Loans

10.24%

Boats - New
- Used

6.00%
7.00%

Motorcycles - New
- Used

6.49%
7.49%

Share Secured

3% Over Share Dividend

Flexible Terms Available

MasterCard

As low as 8.49%³

*APR = Annual Percentage Rate
Rates shown reflect maximum discounts available. Rates are subject to change at any time. Rates are based on individual's creditworthiness. ³See MasterCard Disclosure Below
Other loan types available - Contact us for more information

Home Equity Loan Rates

Effective January 1, 2025

Home Equity Loans	Term	APR¹ As Low As	Rate Type	Additional Disclosures
Home Equity Line of Credit - 80% LTV or less	Minimum Term 15 Years	Prime - 0.75%²	Variable	The maximum annual percentage rate that may be imposed for the plan is 18%
Home Equity Loan - 80% LTV or less	5 Years	6.00%	Fixed	60 monthly payments of $19.349 for each $1,000.00 borrowed
Home Equity Loan - 80% LTV or less	7 Years	6.25%	Fixed	84 monthly payments of $14.74 for each $1,000.00 borrowed
Home Equity Loan - 80% LTV or less	10 Years	6.75%	Fixed	120 monthly payments of $11.36 for each $1,000.00 borrowed
Home Equity Loan - 80% LTV or less	15 Years	7.00%	Fixed	180 monthly payments of $8.86 for each $1,000.00 borrowed
¹ APR = Annual Percentage Rate ²The floor is 4.00% for home equity loans Rates apply to Second Position Only For First Position Rates Please contact one of our Credit Union NMLS Certified Mortgage Specialists

MasterCard Disclosure
Interest Rates and Interest Charges

Annual Percentage Rate (APR) for Purchases	8.49% to 17.99%
Annual Percentage Rate (APR) for Purchases	when you open your account, based on your creditworthiness.
APR for Cash Advances	17.99%
APR for Balance Transfers	8.49% to 17.99% when you open your account, based on your creditworthiness.
How to Avoid Paying Interest on Purchases	Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month.
Minimum Interest Charge	If you are charged interest, the charge will be no less than $1.00. The minimum interest charge will not be charged on amounts below $1.00.
For Credit Card Tips from the Consumer Financial Protection Bureau	To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore.
Fees
Set-up and Maintenance Fees - Application Fee	$10.00 (one-time fee)
Transaction Fees - Foreign Transaction Fee	1.00% of each transaction in U.S. dollars
Penalty Fees - - Late Payment Fee - Returned Payment Fee	Up to $25.00 Up to $25.00
How We Will Calculate Your Balance. We use a method called "average daily balance (excluding new purchases)." Effective Date. The information about the costs of the card described in this application is accurate as of November 1, 2012. This information may have changed after that date. To find out what may have changed, contact the Credit Union. Other Disclosures
Late Payment Fee	$25 or the amount of the required minimum payment, whichever is less, if you are five (5) or more days late in making a payment.
Returned Payment Fee	$25 or the amount of the required minimum payment, whichever is less.
Statement Copy Fee	$3.00
Document Copy Fee	$3.00
Rush Fee	$50.00
PIN Replacement Fee	$2.00
Card Replacement Fee	$15.00