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Vehicles
| Year Made/Value | Term |
| 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
| New & Used Automoblie Loans | Suffix 100-105 New | Suffix 120-125 New Indirect |
| Current NADA | Suffix 110-115 Used | Suffix 130-135 Used Indirect |
| A+ | A | B+ | B | C+ | C | D | |
| Paper | 740+ | 720-739 | 700-719 | 680-699 | 660-679 | 640-659 | 600-639 |
| 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 |
| Paper | A+ | A | B | C | D |
| Maximum LTVs | 90% | 85% | 80% | 75% | 70% |
| 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 |
| Paper | A+ | A | B | C | D |
| Maximum LTVs | 100% | 100% | 100% | 80% | N/A |
| 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 |
| Paper | A+ | A | B | C | D |
| 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 |
| Paper | A+ | A | B | C | D |
| 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 C Paper D Paper | |||||
| New/Used Recreational Vehicles |
| Suffix 180-185 |
| Paper | A+ | A | B | C | D |
| 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 |
| Paper | A+ | A | B | C | D |
| 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 |
| Paper | A+ | A | B | C | D |
| 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
|
Real Estate and Home Equity Closed End Loans Up to 180 Months |
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A+ |
A |
B |
C |
|
Terms up to 15 Years |
90% LTV |
90% LTV |
85% LTV |
80% LTV |
|
5.00% |
5.00% |
6.00% |
7.00% |
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HELOC (Line of Credit) |
|
Score |
LTV |
Rate |
|
A |
Up to 90% |
Prime |
|
B |
Up to 85% |
Prime +1 |
|
C |
Up to 80% |
Prime +2 |
Click here for disclosures. | ||
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Contact us for First Mortgage Rates and Information | ||
Unsecured Loans
|
Personal Advance |
| Suffix 405-410 |
| Paper | A+ | A | B | C | D |
| 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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Preferred LOC |
| Suffix 400 |
| Paper | A+ | A | B | C |
| 7.99% | 8.49% | 9.99% | 11.99% | |
| Miscellaneous Loans |
| Loan | Rate |
| 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. | |
