Loan Rates


Auto Loans

Type Term APR* as low as
New Vehicles Up to 84 Months 1.99%
Used Vehicles Up to 60 Months 2.24%


ALL Loans

Amount Term APR*
$20,000.00 96 Months Prime + 4.00%
$17,500.00 84 Months Prime + 3.75%
$15,000.00 72 Months Prime + 2.75%


VISA® Credit Card

Type of Card APR*
Classic 15.40%
Gold 12.40%
Platinum 10.90%
Secured 10.90%


Other Loans

Type Term APR*
Line of Credit Up to 60 Months 9.00%
Signature Loan
$500.00 minimum up to $14,999.00
Up to 60 months Rates As Low As 7.00%
Debt Consolidation/PEARL Loan Up to 108 months 9.00%


Secured Loans

Type Term APR*
Fully Share Secured Up to 120 Months 3.00% over secured account
Partially Share Secured Up to 60 Months 5.00% over secured account


Credit Life Insurance

Type Amount
Credit Disability $0.195 per hundred of monthly loan balance1
Single Credit Life $0.067 per hundred of monthly loan balance1
Joint Credit Life $0.107 per hundred of monthly loan balance1

1Maximum Insurable amount is $30,000.00 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.

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