Loan Rates

Auto Loans (Rates Shown Effective: 11.28.19)

Vehicle Type	Max Term	Min Amt To Finance*	APR* (as low as)	Monthly Payment per $1000
New Autos	36		2.99%	$29.08
New Autos	48		3.29%	$22.26
New Autos	60		3.79%	$18.32
New Autos	72		3.99%	$15.64
Used 2019 to 2015 Autos	48		3.89%	$22.53
Used 2019 to 2015 Autos	60		3.99%	$18.41
Used 2019 to 2015 Autos	72		4.29%	$15.78
Used 2014 to 2011	36		3.79%	$29.43
Used 2014 to 2011	48		3.99%	$22.58
Used 2014 to 2011	60		4.29%	$18.55
Used 2014 to 2011	72		4.89%	$16.06
2010 and Older Autos	24		4.69%	$43.74
2010 and Older Autos	36		5.19%	$30.06
2010 and Older Autos	48	$5,000	5.99%	$23.48

*APR = Annual Percentage Rate. Rate based on creditworthiness. Ask a Member Service Specialist for your qualifying rate. Vehicle value is based on MSRP or by a source approved by the credit union. Please contact us for specific terms, rates and available discounts. Payment example: $20,000 Auto Loan for 72 months at 3.25% APR will result in a monthly payment of $306.06.

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Recreational & Unsecured Loans

Vehicle Type	Max Term	Min Amt To Finance*	APR* (as low as)	Monthly Payment per $1000
New 2019 and 2020	48		4.19%	$22.67
New 2019 and 2020	60		4.99%	$18.87
New 2019 and 2020	72	$25,000	5.49%	$16.33
Used: 2014-2019	48		4.99%	$23.03
Used: 2014-2019	60	$5,000	5.49%	$19.10
Used: 2013 & Older	36		5.39%	$30.15
Used: 2013 & Older	48		5.99%	$23.48
Extented Term: 3 Year Rate Lock**	120	$25,000	4.99%	$10.60
Fixed Rate 2015 to NEW. ***	120	$25,000	5.99%	$11.10
Unsecured Loans	36	$300	9.79%	$32.17
HHG, Computer, or Misc. Loans	36		10.25%	$32.39

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* APR is Annual Percentage Rate.

** Pertains to boats, campers and cycles.

***Campers & Boats Only.

MasterCard/Visa Classic

Credit Card Disclosure Information (Rates Shown Effective: 12.1.08)
*Annual percentage rate (APR) for purchases	11.99%
Other APRs	Cash advance APR*: 11.99% Balance transfer APR*: 11.99%
Variable rate information
Grace period for repayment of the balance for purchases	You have 25 days to repay your balance for purchases before a finance charge will be imposed.
Method of computing the balance for purchases	Average Daily Balance (including new purchases)
Annual fees	$0.00
Minimum finance charge	$0.50
Transaction fee for purchases	$0.00
Late-payment fee	$15.00
Card replacement fee	$10.00
Return Check Fee	$20.00
Document Copy Fee	$5.00
Rush Fee	$25.00
New PIN Number Fee	$10.00

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