Loan Rates

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Current Loan Rates >>

All Interest Rates Are Shown *As Low As*

Rates Effective as of May 8, 2012

LOAN TYPE	APR*
	TERM
	24-36m	48m	60m	72m	84m	120m
New Vehicles (2011/12)	2.49%	2.49%	2.74%	3.74%	*	-
Used Vehicles (2011)	2.49%	2.49%	2.74%	3.74%	*	-
Used Vehicles (2010)	2.74%	2.74%	3.50%	4.25%	-	-
Used Vehicles (2009)	2.74%	2.74%	3.50%	4.25%	-	-
Used Vehicles (2008)	3.25%	3.50%	4.25%	-	-	-
Older Used Vehicles	3.75%	4.25%	-	-	-	-
(2002-2007)
Other Loans - New	5.00%	5.25%	5.50%	6.00%	6.25%	-
(small recreational equip.,
farm, garden/lawn equip.)
- Used	5.50%	6.00%	-	-	-	-
Rec. Equip. Large –  New	5.00%	5.25%	5.50%	6.00%	6.25%	7.00%
(Boats, Motor homes/Travel
Trailers)
- Used	5.50%	6.00%	6.50%	-	-	-
Unsecured ‘Closed-end’	9.00%	10.00%	-	-	-	-
Unsecured Credit Lines
Revolving	10.00%
Overdraft Protection	15.00%
VISA	11.90%
Share Secured Loans	3.75%	4.00%	4.25%	Credit scoring does not apply
HOME EQUITY
Home Equity	APR*
Line of Credit	3.750%
Closed End	5.50% (15 yrs)
Five Year Balloon	5.25% (up to 15 year amortization)
MORTGAGES
Mortgages	Rate		Points		APR*
5 YR Balloon	4.750%		0 pts		4.943%
	4.500%		.50 pts		4.807%
7 YR Balloon	4.875%		0 pts		5.024%
	4.625%		.50 pts		4.860%
10 YR Fixed	3.750%		0 pts		3.916%
	3.500%		.50 pts		3.768%
15 YR Fixed	3.875%		0 pts		3.992%
	3.750%		.50 pts		3.939%
20 YR Fixed	4.250%		0 pts		4.344%
	4.000%		.50 pts		4.149%
30 YR Fixed	4.500%		0 pts		4.570%
	4.250%		.50 pts		4.360%

APR = Annual Percentage Rate

* Rates and terms subject to change. Home Equity & Mortgage rates are based on 80% Loan To Value for principle residences and do not reflect closing fees or credit score adjustments. Longer terms may be considered on a case-by-case basis. Additional terms & conditions may apply. Contact the credit union loan department for complete details.