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Loan Rates - as of September 2016

VISA Credit Card
Type of Card APR*
Classic 15.4%
Gold 12.4%
Platinum 10.9%
Secured 10.9%
NO Annual Fee, NO Cash Advance Fee (finance charges will begin accruing immediately on cash advances)
ALL Loans
Amount Variable APR*
$20,000 96 Months 7.25%
$17,500 84 Months 7.00%
$15,000 72 Months 6.00%
Vehicle Loans
New Vehicles Daily Rate APR*
Up to 84 Months Variable as low as 1.99%
Used Vehicles Daily Rate APR*
Up to 60 Months Variable as low as 2.24%
Other Loans
Line of Credit Daily Rate APR*
Up to 60 Months 0.0246575% 9.00%
Personal Daily Rate APR*
Up to 60 Months 0.0191780%
fixed as low as
 7.00%
Debt Consolidation Daily Rate APR*
PEARL Loan 0.02465575% 9.00%
Signature Daily Rate APR*
Up to $14,999 for as long as 60 months 0.0191780%
fixed as low as
7.00%
Secured Loans
Fully Share Secured Daily Rate APR*
Up to 120 Months 0.0132879% 3% over secured account
Partially Share Secured Daily Rate APR*
Up to 60 Months 0.0187671% 5% over secured account
Credit Life Insurance
Credit Disability $0.195 per hundred of monthly loan balance*
Single Credit Life $0.067 per hundred of monthly loan balance*
Joint Credit Life $0.107 per hundred of monthly loan balance*
*Maximum Insurable amount is $30,000 Maximum Age for Disability Insurance is 66, Life Insurance is 70

Collection Costs: You agree to pay all costs of collecting the amount you owe under this agreement, including court costs and reasonable attorney fees.

If you allow your account to become 15 days or more delinquent, you are charged a $15.00 late fee. Additionally, please be advised that the credit union reports to the credit bureaus and maintaining a delinquency can negatively affect your credit rating. If a member loan goes more than 45 days without payment it is referred to our collections department for further action.

*APR = Annual Percentage Rate

The Board of Directors has the right to change all rates without advance notice. Please check with credit union for current rates.