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Vehicles
| 2006 - 2009 |
up to 72 months |
| 2003 - 2005 |
up to 60 months |
| 1999 - 2002 |
up to 48 months |
| Used over $18,000 |
up to 72 months |
| 2003 or newer, over $25,000 |
up to 84 months |
Secured Loans
Apply Now!
| New & Used Automoblie Loans |
Suffix 100-105 New |
Suffix 120-125 New Indirect |
| Current NADA |
Suffix 110-115 Used |
Suffix 130-135 Used Indirect |
| Paper |
740+ |
720-739 |
700-719 |
680-699 |
660-679 |
640-659 |
600-639 |
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| Maximum LTV |
*105% |
105% |
100% |
100% |
90% |
90% |
80% |
| 48 Months |
3.24% |
3.24% |
5.49% |
5.99% |
8.99% |
9.99% |
13.24% |
| 60 Months |
3.24% |
3.24% |
5.49% |
599% |
8.99% |
9.99% |
13.24% |
| Up to 84 Months |
3.24% |
3.24% |
5.49% |
5.99% |
8.99% |
9.99% |
N/A |
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Maximum LTV’s for A+ & A Up to 105% & B is 100% of new and used, plus taxes, dealer handling, warranty and insurance. C is 90% for new and used plus taxes, dealer handling, warranty and insurance. D is 80% for new and used, plus taxes, dealer handling, warranty and insurance. A loan financed for $18,000.00 or higher can qualify up to 84 months.
*LTV is NADA Adjusted Retail Book plus taxes, D & H, warranty & insurance for all tiers for used vehicles. New vehicles (current year models plus year before with less than 2,000 miles) are based on MSRP. Click here for disclosures. |
| 2005 & Older Vehicles and Classic Cars |
| Suffix 140-145 |
| Maximum LTVs |
90% |
85% |
80% |
75% |
70% |
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| 48 Months |
5.49% |
5.99% |
6.99% |
9.99% |
16.74% |
| 60 Months |
5.49% |
5.99% |
6.99% |
9.99% |
16.74% |
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Sight inspection required |
| Classic and Exotic Automobiles |
| Suffix 150-155 |
| Maximum LTVs |
100% |
100% |
100% |
80% |
N/A |
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| 48 Months |
6.50% |
6.50% |
7.99% |
11.99% |
N/A |
| 60 Months |
6.50% |
6.50% |
7.99% |
11.99% |
N/A |
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Paper B or higher will finance 100% of Retail Value. Paper C maximum of 80% of Retail Value. |
| Multi-Collateral |
| Suffix 170-175 |
| 48 Months |
6.49% |
6.99% |
7.99% |
9.99% |
11.99% |
| 60 Months |
6.49% |
6.99% |
7.99% |
9.99% |
11.99% |
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100% secured using NADA Retail Value on vehicles in the current NADA or Trade-in value on vehicles over seven years. |
| Mixed-Collateral Partially Secured |
| Suffix 160-165 |
| 36 Months |
8.49% |
9.00% |
10.00% |
11.99% |
16.99% |
| 48 Months |
8.49% |
9.00% |
10.00% |
11.99% |
16.99% |
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A & B Paper Current NADA Retail Value and 2x gross monthly income. 7-10 years and older - NADA Trade-In Value and 2x gross monthly income.
C Paper Current NADA Trade-in Value and 1.5x gross monthly income. 7-10 years and older - NADA Trade-In Value and 1.5x gross monthly income.
D Paper Current NADA Retail Value and 1x gross monthly income. 7-10 years and older - NADA Trade-In Value and 1x gross monthly income.
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| New/Used Recreational Vehicles |
| Suffix 180-185 |
| Up to 120 Months |
5.75% |
5.99% |
6.99% |
10.99% |
N/A |
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Finance 90% of NADA Loan Value (10%) trade or cash down payment required. |
| New Motorcycle |
| Suffix 190-194 |
| Up to 60 Months |
5.25% |
5.74% |
6.99% |
11.25% |
N/A |
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10% trade or cash down payment required. |
| Used Motorcycle |
| Suffix 195-199 |
| Maximum LTV |
90% |
85% |
80% |
75% |
N/A |
| Up to 48 Months |
5.25% |
5.74% |
6.99% |
11.25% |
N/A |
| 10% trade or cash down payment required. |
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The interest rates are evaluated by the Board of Directors. Terms vary based on value and year of vehicle. All applications subject to member credit qualification. Click here for disclosures. |
Real Estate
Apply Now!
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Real Estate and Home Equity Closed End Loans Up to 180 Months |
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A+ |
A |
B |
C |
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Terms up to 15 Years |
90% LTV |
90% LTV |
85% LTV |
80% LTV |
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5.00% |
5.00% |
6.00% |
7.00% |
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Score |
LTV |
Rate |
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A 680 or higher |
Up to 90% |
Prime |
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B 640-679 |
Up to 85% |
Prime +1 |
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C 600-639 |
Up to 80% |
Prime +2 |
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Terms: 10 year draw period, up to 15 years to repay the balance.
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Payments: 1% of outstanding principal balance with minimum payment of $100.00.
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Fees: $99 for loans that are $5,000 to $25,000, $199 for loans that are $25,001 to $50,000, and $299 for loans that are $50,001 and up
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HELOC has a floor rate of 5% APR, and a ceiling rate of 18% APR
Click here for disclosures. |
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Contact us for First Mortgage Rates and Information |
Unsecured Loans
Apply Now!
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Personal Advance |
| Suffix 405-410 |
| 24 Months |
8.99% |
9.49% |
10.99% |
12.99% |
17.99% |
| 36 Months |
8.99% |
9.49% |
10.99% |
12.99% |
17.99% |
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| VISA Credit Card |
14.90% |
| VISA Gold Card |
10.90% |
| VISA Platinum |
8.90% |
| Share Overdraft |
18.00% |
| Share Secured |
SC Rate + 3% |
| Share Certificate |
SC Rate + 3% |
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Maximum term on Shared Secured is 60 months.
Click here for VISA Credit Card Disclosures. |
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